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@creditwherecreditisdue wrote:
@pattycake wrote:I know they do a hard pull, but they are offering BTs of 0% for six months, or 3.99% for the next year and a half. I want to pay off my Citi and other cards. My CL is currently $3700 and I want to ask for $10K, and see if they'll even give me at least $5K.
My scores are below and I've had a really good payment history with them.
I don't like this plan. It is asking for trouble.
Hmm - why? I wouldn't max it out but want to take advantage of it. I still have low BT offers from BofA, but the rate is slightly higher. Please share your thoughts, I am indeed interested in knowing what my fellow FICO'ers think.
@creditwherecreditisdue wrote:
@pattycake wrote:I know they do a hard pull, but they are offering BTs of 0% for six months, or 3.99% for the next year and a half. I want to pay off my Citi and other cards. My CL is currently $3700 and I want to ask for $10K, and see if they'll even give me at least $5K.
My scores are below and I've had a really good payment history with them.
I don't like this plan. It is asking for trouble.
I agree.
pattycake, by your own statement your previous Chase CLIs were auto-generated. As were mine. I think allowing Chase do a hard pull and see outstanding balances on other cards could be a problem. Just curious, what is your UTIL on all cards?
@pattycake wrote:
@creditwherecreditisdue wrote:
@pattycake wrote:I know they do a hard pull, but they are offering BTs of 0% for six months, or 3.99% for the next year and a half. I want to pay off my Citi and other cards. My CL is currently $3700 and I want to ask for $10K, and see if they'll even give me at least $5K.
My scores are below and I've had a really good payment history with them.
I don't like this plan. It is asking for trouble.
Hmm - why? I wouldn't max it out but want to take advantage of it. I still have low BT offers from BofA, but the rate is slightly higher. Please share your thoughts, I am indeed interested in knowing what my fellow FICO'ers think.
1) Requesting a CLI invites scrutiny and a definite hard INQ, and
2) Carrying a balance invites AA. (They won't RJ the BT. But they can and will RJ the purchase APR.)
Sometimes it is better to FUTR. I have a Providian -> WaMu -> Chase account that so far has not been touched. I am not messing with whatever mojo is working for me. Just because your account is an original Chase account does not provide protection against AA. If I had other alternatives I would not burn a hard INQ to pursue this. I would even call BofA and ask them for a better BT offer before I would go to Chase. -OR- You have good enough scores, app for something new with Citi and you might just get a 12 month, 0% APR BT offer.
@creditwherecreditisdue wrote:
@pattycake wrote:
@creditwherecreditisdue wrote:
@pattycake wrote:I know they do a hard pull, but they are offering BTs of 0% for six months, or 3.99% for the next year and a half. I want to pay off my Citi and other cards. My CL is currently $3700 and I want to ask for $10K, and see if they'll even give me at least $5K.
My scores are below and I've had a really good payment history with them.
I don't like this plan. It is asking for trouble.
Hmm - why? I wouldn't max it out but want to take advantage of it. I still have low BT offers from BofA, but the rate is slightly higher. Please share your thoughts, I am indeed interested in knowing what my fellow FICO'ers think.1) Requesting a CLI invites scrutiny and a definite hard INQ, and
2) Carrying a balance invites AA. (They won't RJ the BT. But they can and will RJ the purchase APR.)
Sometimes it is better to FUTR. I have a Providian -> WaMu -> Chase account that so far has not been touched. I am not messing with whatever mojo is working for me. Just because your account is an original Chase account does not provide protection against AA. If I had other alternatives I would not burn a hard INQ to pursue this. I would even call BofA and ask them for a better BT offer before I would go to Chase. -OR- You have good enough scores, app for something new with Citi and you might just get a 12 month, 0% APR BT offer.
Not sure I want to bring down my AAoA down any more. I'm already at four years, 11 months. I've always PIF'd my Chase account, since the APR is at 14.9% (rewards cash card).
If you all smell something foul in the Chase air, I'll carry a small balance and just pay it off over time. I'm not about to mess with my rebuilt FICO mojo.
Cap One is also doing a 0% offer on some of their cards - thoughts?