plan of attack...

[afbar1114]

Since i got zync and slate i am going into gardening mode for a while. Im going to be transfering my 1st premier to slate and closing 1st premier. In about 6 months or i will try to get a discover, citi or other prime card and close a cap1 card..hopefully this works...any advice would be helpful.

[Creditaddict]

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@afbar1114 wrote:
Since i got zync and slate i am going into gardening mode for a while. Im going to be transfering my 1st premier to slate and closing 1st premier. In about 6 months or i will try to get a discover, citi or other prime card and close a cap1 card..hopefully this works...any advice would be helpful.

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Didn't we just talk about this very same thing in another thread? oh wait that was to apply for another Orchard card... okay...

When you say transfer your 1st premier to Chase but not for 6 months... How much do you owe and at what interest rate and why would you wait 6 months? Isn't 1st premier a fee each month to have the card?

Further more I assume your Best Buy MC has annual fee also, I would close those 2 before Capital One

[LS2982]

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@afbar1114 wrote:
Since i got zync and slate i am going into gardening mode for a while. Im going to be transfering my 1st premier to slate and closing 1st premier. In about 6 months or i will try to get a discover, citi or other prime card and close a cap1 card..hopefully this works...any advice would be helpful.

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Just IMO but I don't think it's wise to BT a rebuilder card balance to chase. Considering it is just $350, pay it off with cash then close!

[afbar1114]

Why not transfer to chase i was going to transfer it right when i got the card

[afbar1114]

Sorry for all the posts trying to take control of my credit in good ways

[Creditaddict]

I agree do not transfer $350 to a new $500 chase.

Why pay fees to move such a small balance?

[afbar1114]

I dont think i have fees to transfer

[LS2982]

It makes you look suspicious and risky BT'ing a FP balance to a Chase card. I wouldn't do it.

[afbar1114]

Ok i see soo ill take 2-3 months pay it close it then

[LS2982]

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@afbar1114 wrote:
Ok i see soo ill take 2-3 months pay it close it then

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Thats the better idea, then close it!