A BT card won't help with your high revolving utilization. A personal loan is probably a dubious solution as well with such high revolving utilization.
1488 / 1500 = 99%
498 / 500 = 100%
You have to get your maxed cards down ASAP. You don't have to get them immediately to 30% but you do need to get them lower than they are.
@Anonymous wrote:
I think given maxxxed out cards i may nolt exactly qualify for Balance Transfer card but it seems if 0% for 9-18 mos depending on the offer would be a practical thing to do.
It's not just a matter of qualifying. Your maxed cards and high utilization will severly restrict the limit you'd qualify for if approved.
@Anonymous wrote:
Discover (TU;denied in June 2015 for maxxed cc)
What's the saying about the definition of insanity? Not only do you have 2 maxed cards but you have others at 79% and 44%. Overall is 61%. This is very high.
@Anonymous wrote:
The thing i m debating in my own mind is to app NOWWWW (becoz its been 6+ mos since i last apped for discover n DENIED)
It is not simply a matter of time. It is a matter of your credit profile. You were denied for maxed cards. You still have maxed cards. Why are you expecting different results? Have there been other drastic improvements in factors with a major scoring impact that you have not mentioned?
