App before or after

[Howaboutthat]

So I have a Penfed pcr and I want to apply for for the Gold Visa, I also want to do a balance transfer from Capital One. Should I apply for the Gold before transferring the balance, just got approved recently so it should be from the same pull.  The amount I'm transferring is $2000

[M_Smart007]

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@Howaboutthat wrote:

So I have a Penfed pcr and I want to apply for for the Gold Visa, I also want to do a balance transfer from Capital One. Should I apply for the Gold before transferring the balance, just got approved recently so it should be from the same pull.  The amount I'm transferring is $2000

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What is your EQ FICO9 score like?

Also how long have you had the PCR?

You may want to apply first, to see what kind of a CL they give you?

Before initiating a transfer?

[Jnbmom]

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@Howaboutthat wrote:

So I have a Penfed pcr and I want to apply for for the Gold Visa, I also want to do a balance transfer from Capital One. Should I apply for the Gold before transferring the balance, just got approved recently so it should be from the same pull.  The amount I'm transferring is $2000

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Also remember sometimes PF will pull another HP, been there done that. It's not always the case but it's a possibility.

[Howaboutthat]

My Fico 9 was 667 and they gave me a sl of $7500 and I've had it a for 1.5 weeks. Maybe I shouldn't poke the bear. 

[M_Smart007]

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@Howaboutthat wrote:

My Fico 9 was 667 and they gave me a sl of $7500 and I've had it a for 1.5 weeks. Maybe I shouldn't poke the bear. 

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You probably have a BT offer on your PCR card, even though it does not show.

Just initiate it through the website.

I would hold off for 6 months on a second Penfed card. If it were me.  .. just my $0.02's worth.

Edited twice; need more coffee

[Howaboutthat]

Yes I do have a balance transfer offer. I'm going to hold off on seeking another and just take advantage of balance transfers. 

[M_Smart007]

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@Howaboutthat wrote:

Yes I do have a balance transfer offer. I'm going to hold off on seeking another and just take advantage of balance transfers. 

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Sounds like a great plan!