Low interest rate card with High limits

[Anonymous]

I am looking for a very low APR card that offers decent limits on approvals and possibly offers balance transfers. Are these kinds of cards still out there?

[Anonymous]

Many of the credit unions offer this type of card with no frills but low APR’s and some offer zero $ bal transfer fees. CU’s can also give high limits.

[tcbofade]

Citi DP and Discover IT come immediately to mind...

[Anonymous]

PenFed lists their Gold Visa at a rate as low as 8.99% with promotional BT transfer of 0% for   12 months. They pull EQ and use FICO 9. They gave me a pretty good SL, $9500, on their Power Cash Rewards card and I doubt my FICO 9 was very high (EX FICO 9 was 656 as of April 4th) so I imagine you could get a pretty good SL with them.

[Anonymous]

 wrote:
Many of the credit unions offer this type of card with no frills but low APR’s and some offer zero $ bal transfer fees. CU’s can also give high limits.

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Do you know have any credit union in mind? No fees to get in and instant approvals?

[Anonymous]

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@Anonymous wrote:

PenFed lists their Gold Visa at a rate as low as 8.99% with promotional BT transfer of 0% for   12 months. They pull EQ and use FICO 9. They gave me a pretty good SL, $9500, on their Power Cash Rewards card and I doubt my FICO 9 was very high (EX FICO 9 was 656 as of April 4th) so I imagine you could get a pretty good SL with them.

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I have Penfed Auto loan and applied for a card when I got the loan about a year and half ago. I was denied because they said my income was too low for my current obligation. They refused to consider DWs income and assumed I paid all bills myself

[simplynoir]

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@Anonymous wrote:

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@Anonymous wrote:

PenFed lists their Gold Visa at a rate as low as 8.99% with promotional BT transfer of 0% for   12 months. They pull EQ and use FICO 9. They gave me a pretty good SL, $9500, on their Power Cash Rewards card and I doubt my FICO 9 was very high (EX FICO 9 was 656 as of April 4th) so I imagine you could get a pretty good SL with them.

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I have Penfed Auto loan and applied for a card when I got the loan about a year and half ago. I was denied because they said my income was too low for my current obligation. They refused to consider DWs income and assumed I paid all bills myself

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I believe that Penfed's SOP for not considering household income but just the income of the person applying for the credit card. Still think that's the case to this day.

[UpperNwGuy]

NIM, you already have a lot of good credit cards and a huge overall credit limit.  Why are you now looking for a low APR card with a high credit limit that allows balance transfers?  I have a feeling that you may have run up some pretty high balances on the cards that you already have.  If you seek new credit, the financial institutions will undoubtedly discover your situation when they pull your credit report, and you may find it hard to get a card with a decent APR or a significant credit limit.  Give Navy Federal Credit Union's Platinum card a try (if you meet their qualifications for membership).  If that doesn't work, try for the PenFed Promise card or for the Citi Simplicity card.  Good luck!

[SouthJamaica]

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@Anonymous wrote:

 wrote:
Many of the credit unions offer this type of card with no frills but low APR’s and some offer zero $ bal transfer fees. CU’s can also give high limits.

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Do you know have any credit union in mind? No fees to get in and instant approvals?

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Many, many credit unions offer non-rewards platinum cards with low interest rates and no balance transfer fees. Some cards I have like that are PenFed Promise, NFCU Platinum, Vantage West Connect, and Langley Select.

[Anonymous]

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@AnonymousI am looking for a very low APR card that offers decent limits on approvals and possibly offers balance transfers. Are these kinds of cards still out there?

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While it may veer off topic a little bit here, why is it that you're looking for a card that fits the description above?  It appears you already have high limit cards, like a $45k Discover, for example.  Someone above mentioned possibly having high revolving debt that you may want to transfer to the new card, but if that was your main goal I would think you'd be more clear about BTs being a requirement, not something "possibly" offered as stated in the original post.  I'm just trying to understand more what you're after here and why.  I always get a little concerned when someone starts talking about a lower APR card, as it suggests the paying of interest already... then when coupled with the talk of a high limit it makes me assume paying interest on a high amount of debt.