Please advise on applying for 0% APR CC

[Anonymous]

I want to apply for a 0% Intro APR credit card to transfer balances to my previous accounts and to spend about $1000 on it. So I will need a credit limit of about $1700. I would be grateful if you could advise me on which CC I can apply for. My average account length is 10 months. I applied through BoA preapproval, but they only gave me the secured card option. I only monitor Equifax score.

I had $3000 balance on my WaMu CC, and paid it down to $300 one month ago. Today Equifax updated my FICO score. Here is my status:

FICO Score yesterday: EQ 682

FICO Score today      : EQ: 715

Credit Cards:

                                 Limit                   Balance                   Percentage

WaMu VISA               4500                     300                           6%

Ebay  Master Card      2700                     330                          12%

WellsFargo Secured    300                        20                          6.6%

On Equifax I have 3 inquiries during last year.

On TransUnion I had 2 inquiries during the last year.

On Experian I had 8  inquiries during the last year.

I have no other negative accounts and records.

Today I called Chase and signed up for rewards, and also got a CLI of $500.

Thank you

Message Edited by redstarX on 03-21-2009 12:21 PM

Message Edited by redstarX on 03-21-2009 12:35 PM

[manyquestions]

Citi Platinum Select?

[score_building]

boa platinum plus/ world points

discover (but if they pull EQ in your area, no good w/ 8 inqs reporting already)

[Anonymous]

I've heard that Citi is very strict in approving credit cards. Besides they're not in good financial situation.

BoA preapproval site declined unsecured card.

I have 8 inquiries on Experian. Is Experian really frozen for everyone? 

[manyquestions]

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@Anonymous wrote:

I have 8 inquiries on Experian. Is Experian really frozen for everyone? 

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Did you put a security freeze on it?

[score_building]

it is only frozen if the acct holder freezes it, it is not frozen for everybody.

[Anonymous]

Then is it a good idea to freeze it? I have not put a freeze on it. What are the advantages and disadvantages?

[manyquestions]

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@Anonymous wrote:
Then is it a good idea to freeze it? I have not put a freeze on it. What are the advantages and disadvantages?

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Advantage is you won't get any more hard pulls on Experian. 

[score_building]

i froze mine because i do not approve of EXs recent move (feb.) to loftily block consumers from access to EX scores all while continuing to sell their personal credit information to lenders for profit. 

since my EX is fozen, technically they shouldn't be able to sell it to anyone who requests it.  a sorta 'boycott' of a CRA gone amiss.  several here have frozen in disagreement with the new policy to completely block consumers from access to their EX scores without proper regard for them as being an important part of the equation.

now that it is frozen my current lenders will still have access, but if i app again from a lender who pulls EX my EX report will not be available to them because it is "frozen".  it's good in that i won't have new EX inqs.  a disadvantage is that it precludes me from apping EX lenders unless they are willing to pull one or both of the other two instead, or i decide to unfreeze EX making it available to them. 

redstarX wrote:
Then is it a good idea to freeze it? I have not put a freeze on it. What are the advantages and disadvantages?

[Anonymous]

Which state do you live in? Companies pull different reports sometimes based on that.