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need 0 % intro card with high utl best chance!

New Member

need 0 % intro card with high utl best chance!

hey everyone my first post on Here so excited I finally created A account have been reading your posts for weeks you guys are like the Michael Jordan of credit cards!! And its been fun reading about your cli victories and new prime cards my situation is bleek overwhelmed with my discover card abused it and just passed the 0 percent promo long story short I need best recommendation on a 0 intro card with high utl at around 89 percent utl with au lowers to 45 but from reading your posts I know au probably won't factor I know my chances of success is low and you will tell me this but what card would you think would be best chance for approval. I have a 703 ex fico 713 tu 723 eq 1 baddie left 120 day late from cap one from 08 that account is still open thanks again for any advice and proud to be amongst you all!!
Message 1 of 4

Re: need 0 % intro card with high utl best chance!

If your UTL is almost 90%, any card you will get approved for will not be worth it to transfer a balance to!


Having an AU does factor in and count towards your UTL. The only problem is that some credit analysts will see that, and if they're good at what they do, or they're just mean, they won't count it. A computer on the other hand will! So if you apply online and get approved instantly, a credit analyst never looks at it.. (just a thought)


I would recommend that you pay down as much as you can, let it report, and then apply for a balance transfer card. Citi has some good ones.. and I know I saw BoA has one also.


What you could do for now, if you haven't angered Discover is call them and ask for a CLI. Tell the rep that you know you're near your limit, but that is exactly why you want to have an increase. Tell them you are very vigilant about your credit and you understand the need to have available credit reporting to have a decent score. Also tell them that you were simply taking advantage of the 0% interest with them and don't want to move your balance if you don't have to.


If they mention the lack of tradelines you have on your CR, simply tell them you don't like to live beyond your means, and that Discover is more than enough for you.


If that doesn't work.. there's no harm in asking if they can lower your APR or can extend your 0%...


Other than that.. I would say pay it down as much as you can regardless!


Good luck!

Message 2 of 4
Frequent Contributor

Re: need 0 % intro card with high utl best chance!

Citi has been promoting the Simplicity card heavily which has 18 month 0% promo. If you do not reduce your util then you would get small limits not worth the balance transfer. I would recommend that you atleast get your overall util below 30% before you apply.

PNC Secured 2000 (Dec12), Chase Amazon 2000 (Apr13), CapOne Newcomer 2500 (May13), Citi dividend 3000 (May13), Discover IT 1000 (Jul13), Amex BCP 6000 (Jul13), Chase Southwest 10000 (Jul13), Chase Marriott 12000 (Oct 13), BofA Travel Rewards 5000 (Dec13)

- In garden till Dec 2014
Message 3 of 4

Re: need 0 % intro card with high utl best chance!

I recently was approved for a Citi card (in July) that has 12 months 0% interest.  Then, in changing around accounts @ US Bank, applied for a VISA (to avoid charges on checking account) that is 0% for 12 months, then got an invitation to apply for MasterCard @ 0% for 20 months.  I got off the phone with them after I applied via phone for the 12 months 0% and logged into my account.  I had a message in my message center about the 20 months 0% offer.  I applied and was approved for both.  Quite surprised, but both approvals allowed me to move all my oustanding debt (except mortgage) to 0% interest.  I have budgeted it all out and will be debt free in Nov. 2014!  hard to believe!  Life has thrown me a lot of curves (job loss, medical debt, huge house repairs) but somehow, I've survived.  Many thanks to everyone here...stay on these boards (all of them) and you will learn so much and get inspired to stay on track.  good luck!

Message 4 of 4