Trying to get a new card with high limit.

[Anonymous]

Hello I'm new here and heard everybody is very helpful. I am 23 and have a few credit cards already and have my credit already built. I am looking to apply for a new card to transfer a high balance to around $6100 since the 0% interest ends in about 4 months on that current card. I sort of need a little advice since I have two high balance cards. Father just added me as an authorized user on his Credit One card that has a 13 year age on it to help me out a bit for my credit history but it's not on my credit yet since we just did it today. What I would like to do is pay off my next big card and apply for a new card in about two months once my Citi card is paid off but I am sort of lost on what card will be best to apply for with a starting limit of $6000 with my situation. I hear mixed opinions on Citi increasing limits but I doubt they will cause I've had the card 3 months. 

This is what I have currently:

Chase: $5780 out of 6000 (0% interest expires on 12/04/17 after that it is 25.99%) (balance I want to transfer to a 0% card so I can start paying it off before crazy interest kicks in) 
Barclay: $6100 out of 6500 (9% interest)
Citi: $1000 out of 2000 (18 months left of interest free) (balance being paid off in two months)

FICO 702

As of Aug 5, 2017

My Cards: 

Capital One Quicksilver ($7000 limit no balance) 9 years authorized user 

Victoria's Secret ($3300 limit no balance) 4 years

Chase Freedom ($2400 limit no balance) 4 years

Discount Tire ($800 limit no balance) 3 years

Barclay Ring ($6500 limit balance of $6100) 2 years ***

Chase Slate ($6000 limit balance of $5780) 1 year ***

Citi Simplicity ($2000 limit balance of $1000) 3 months ***

Chase Auto Lease Loan ($8000 balance)  9 months

If you guys have any questions please let me know! 

[AverageJoesCredit]

Welcome to the board

With most of your cards being over 50% utilization , its going to be very hard to get another card that starts at 6k. Im not sure where to point you towards but maybe try and get a cli on your Cap One card and see if there is sny bt offers. Best of luck

[fltireguy]

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@Anonymous wrote:

Hello I'm new here and heard everybody is very helpful. I am 23 and have a few credit cards already and have my credit already built. I am looking to apply for a new card to transfer a high balance to around $6100 since the 0% interest ends in about 4 months on that current card. I sort of need a little advice since I have two high balance cards. Father just added me as an authorized user on his Credit One card that has a 13 year age on it to help me out a bit for my credit history but it's not on my credit yet since we just did it today. What I would like to do is pay off my next big card and apply for a new card in about two months once my Citi card is paid off but I am sort of lost on what card will be best to apply for with a starting limit of $6000 with my situation. I hear mixed opinions on Citi increasing limits but I doubt they will cause I've had the card 3 months. 

This is what I have currently:

Chase: $5780 out of 6000 (0% interest expires on 12/04/17 after that it is 25.99%) (balance I want to transfer to a 0% card so I can start paying it off before crazy interest kicks in) 
Barclay: $6100 out of 6500 (9% interest)
Citi: $1000 out of 2000 (18 months left of interest free) (balance being paid off in two months)

FICO 702

As of Aug 5, 2017

My Cards: 

Capital One Quicksilver ($7000 limit no balance) 9 years authorized user 

Victoria's Secret ($3300 limit no balance) 4 years

Chase Freedom ($2400 limit no balance) 4 years

Discount Tire ($800 limit no balance) 3 years

Barclay Ring ($6500 limit balance of $6100) 2 years ***

Chase Slate ($6000 limit balance of $5780) 1 year ***

Citi Simplicity ($2000 limit balance of $1000) 3 months ***

Chase Auto Lease Loan ($8000 balance)  9 months

If you guys have any questions please let me know! 

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Hi..

first off, welcome..

  Next, you are going to have a SERIOUS problem getting am approval for any decent card, with a decent limit. You have 2 maxed cards. That in itself is enough to spook almost any lender... Your best bet is to pay down your existing cards, and THEN apply when you are under 30% utilization

[UncleB]

Hi @Anonymous, and welcome to myFICO! 

I've removed/merged your duplicate threads.  Please refrain from cross-posting; it's confusing to follow and is against the rules here.

If you have issues with posts not displaying, please don't repost but check here:  http://ficoforums.myfico.com/t5/myFICO-Forums-Technical-Help/What-to-do-if-your-new-post-is-missing/td-p/4972480

[Anonymous]

Considering those cards are nearly maxed, you really need to just pay them down before you consider applying for another card. You have just about 3 months to pay down your Chase at least until you need to worry about interest. After that, you could possibly considering moving what's left to something like a Discover It card (I believe they have an intro 18 month no interest on BT's), but again, don't bother applying until you pay down your cards as Discover is pretty conservative on who it gives cards to and you'll most likely just incur a HP with a denial due to super high UTI.

[CreditCuriosity]

Paying off some of it ASAP and possibly getting a personal loan myight be your best bet then possily cutting them up until you get the balances under control as well so you aren't tempted to charge more.  Best of luck

edit: also welcome to the forum.  Don't mean to sound harsh on my post, but a new card just simply won't happen with that high of limit with your balances.  I truely wish you the best of luck.

[Anonymous]

Trying to pay off as much as I can but its hard when you only make $12.50 an hour and have other bills and need to eat! haha. 

[CreditCuriosity]

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@Anonymous wrote:

Trying to pay off as much as I can but its hard when you only make $12.50 an hour and have other bills and need to eat! haha. 

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Understood, but this is why CC are so dangerous for some... As it is easy to charge, just not so much fun to pay back especially if interest starts to kick in at a high rate!  Others should be able to give you better advise than myself though hopefully

[Anonymous]

That's what happens when your young. You make dumb mistakes but you learn and never do it again! Haha.

[Anonymous]

Going to pay off as much as I can by the end of November and figure out what card i need to apply for so I can transfer that awful amount to a new card. 

I don't want anymore credit pulls for a new card since i only have 2 inquires on transunion and 5 on equifax but if citi denies me then maybe that'll be the route?

 Maybe ask Citi simplicity to raise my limit $4000 more so its at 6 grand (maybe they'll give it to me if i ask nicely since it'll be paid off? But I did open it on May 1st :/