I really dont know. 4% is pretty steep fee.
Is there a possibility of you waiting till ED and Disco are paid off then applying for a decent bt card? You still have time to work on those balances.
Yea certainly. I was thinking about aping for the BOA Americard for the no transfer fee. Idk if I would be approved because BOA has consistently denied me for CLIs for their cards. I have a Cash Rewards at 8.2k and a BBR at 2k.
At the same time, I was trying to limit apps this year since I opened 11 cards last year. I suppose I could wait as I should have BTs offers on some of my cards by then.
There are lots of questions from new members “how many cards should I have”. I will say, in the current credit card environment of 2019, 11 new cards in the past year is too many. It looks like you picked up several cards that, with patience, you will see BT offers for. These range from 3% to 5% fees, but those fees are not bad if you pace out the payments to really have a plan to reduce your debt.
Kiting balances from one card to another is a musical chairs game that eventually ends badly, especially if using new card apps to create new chairs.
Can you list out all your cards, month - year of app, current limit, current balance, and APR. Also list which cards you are relying on for cash back or points earning. This request is more to make sure you have a clear eyed view to your current credit situation than anything else.