Question on Balance Transfer Card and Score Pull?

chris288 · ‎02-02-2017

I am going to be appyling to an offer next week for a Balance Transfer after my mortgage closes. I have an offer I am interested in from a bank I already have a relationship with.

My question is this though, what are some good offers out there righ now with 0% APR for 12-18 months? Is Discover good? Citi?

I also would prefer multiple bureaus do not get pulled. Penfed only pulls EQ and they have a 0%. Barclay is usually only Transunion. Not sure on Discover card or Citi.

My EX and TU are the highest though. Also, what score model is used on these? My Fico 8 is what I am going by. I know Penfed uses Gen 2, Not sure on NFCU, Discover, Citi, Barclay etc?

Any help would be greatly appreciated. Trying to calculate my odds of choosing the right 1 or 2 offers/cards.

Thank you

Anonymous · ‎02-02-2017

Chase Slate is probably the best for initial BTs--0% for 15 months and no fee on transfers in the first 60 days. And can be PC'd into something useful after the BT is paid off.

Anonymous · ‎02-02-2017

I received a BOA offer for their MC the other day. 21 mos 0% on BT's and purchases - 3% BT fee.

chris288 · ‎02-02-2017

Those are both good. How many bureaus does Chase and BOA usually pull? I live in TN.

Do you know what FICO version they pull?

rmduhon · ‎02-03-2017

Discover only pulled EQ for hubby. It may be different for you since your in a different state.

Anonymous · ‎02-03-2017

@chris288 wrote:
Those are both good. How many bureaus does Chase and BOA usually pull? I live in TN.

Do you know what FICO version they pull?

I applied for Chase 2 days ago. They pulled Experian and Trans Union. BTW, NFCU pulled Trans Union for membership and then pulled both Trans Union and Equfax for credit card and a CLOC.

chris288 · ‎02-03-2017

Interesting. Great info on the above. I always thought Discover was a TU puller all the time.

rmduhon · ‎02-03-2017

Not for our area of Texas. They pulled EQ for me too but was denied