Balance Transfer

[Anonymous]

I got an offer in the mail from Soverign Bank for a credit card offering 0% APR on balance transfers until Feb of 2009. I currently have my car loan with them, but don't want to inquire and bring my score down. My score is 543 with Equifax. I've never been late on any of my payments but the amout of debt is high:

MBNA $3901/$4000 CL

Macys $841/$1200 CL

Citi $451/$500 CL

Kay $154/$500 CL

Paypal $137/$175 CL

Furniture Card $2400/$4000 CL

Message Edited by bgonzalez706 on 12-14-2007 12:08 PM

[Anonymous]

I would not bite until your scores are up a bit more-

More than likely just joint marketing-

[Anonymous]

I've has 11 inquires during the last year, 3 for a new car loan in April

[Tuscani]

I agree. I doubt you would get approved right now.