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Kicking myself over not applying for the Venture in December. About to book a big vacation. The plane tickets will be through United. Wondering if I should apply for the CSP, a United Mileage card or a balance transfer card. I'm carrying a huge balance on a card currently. I have the cash to pay it off, but that money is earning two percent with Discover Bank and will pay it off once my intro period expires in June. Thought about getting a balance transfer card, moving the balance and investing the difference in something with a little more pop than 2%, but is still reasonably safe, instead of just paying it off outright. Do balance transfer cards offer large limits, like the AMEX Everyday, Slate or BofA's balance transfer card? My brother-in-law did this for a few years, but that was because he didn't have the cash to pay off the balance.
@Anonymous wrote:Kicking myself over not applying for the Venture in December. About to book a big vacation. The plane tickets will be through United. Wondering if I should apply for the CSP, a United Mileage card or a balance transfer card. I'm carrying a huge balance on a card currently. I have the cash to pay it off, but that money is earning two percent with Discover Bank and will pay it off once my intro period expires in June. Thought about getting a balance transfer card, moving the balance and investing the difference in something with a little more pop than 2%, but is still reasonably safe, instead of just paying it off outright. Do balance transfer cards offer large limits, like the AMEX Everyday, Slate or BofA's balance transfer card? My brother-in-law did this for a few years, but that was because he didn't have the cash to pay off the balance.
You will not get a good offer while you have maxed out card. Pay it down first.
Computers do not care if you're thinking about "investing elsewhere". It makes it look like you're in financial distress.
Amex wont give you a large limit, if any. Slate has low SL even under perfect circumstances, yours are not currently.
Dont know about BoA.
I'm using around 67% of the card limit. It has hurt my scores, but not as much as I thought it would. Think I'll probably just ap for the CSP and then once I get the bonus I'll try to product change to the CSR.