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5 months ago
Fri May 03, 2024 3:33 am
NoMoneyNoHoney
Seasoned RebelNeed BTC card
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Hey Folks
Looking for another balance transfer card since I have some BTC 0% debt about to expire (and my NFCU 0.99% offer just ended).
I have around $53K in credit card debt and around $138K total credit line to work with.
My current FICO 8 scores are:
EXP: 699
TU: 708
EQ: 732
These should all improve if I can ever get some of these banks to report that I paid down some of the balances and have way higher credit lines (gotten several CLI that have not been reported). I should be around 38% aggregate credit card utilization after all this gets reported
Paid down off around 64% of my personal loans (about $11K left in personal loan debt) but I've paid off several other car loans before so I have a good history of always paying my debt. Also waiting on this being updates.
1#: I would like to go for an Equifax card since I got the best score with them. I've head Discover pulls EQ if you go through pre-qualificaiton?? True?? I can't get PenFed as they seemed to always ask for POI (already tried), and its too difficult since I get good chunk of my income via personal biz
#2: How do you get this pre-qual discover offer?? Link?? or somehow do something to get them to send you an offer in mail??
#3. Can you get a 3rd discover card??
Hisotry: I got my second discover card about 13 months ago (didn't go through pre-qual on second card and I think they pulled experian which gave me a really low starting limit, only $3K which didnt help much.). The first discover card I think I got an offer in mail and I got a pretty nice starting limit and they have been prob my favorite card of my entire life as I'm always getting CLI approved (already $23K ) and they've been soooooo freaking amazing. Just looovvve discover!!!
I also dont have a AMEX card YET so might try for that.
#4 which do bureau do you think AMEX would pull in NorCAL?? Any guesses on what sort of AMEX credit line I could get?? My partner and I have pretty high income (we both pull in over 250 together) so DTI shouldn't be necessarily a deal breaker.
I also have a very good relationship with NFCU so I'm thinking they may approve me for 3rd visa card ??? I have done their 0.99% 1 year balance transfers before that are nice because they have no transfer fees.
#5: Do you "Guess" NFCU would give me a good starting limit (I already checked the prequal and I could get a third platinum card).
#6 Also looking at TD bank credit card, any good for high starting limit??
#7 HSBC pulls EQ in Cali, any good??
#8 Assuming I could get 3 cards, what order should I apply for these cards in....1st, 2nd, 3rd??
Yeah, know I need to pay this crap off...been working on this for years but I don't have the money yet...slowly paying it off. Hopefully this will be last year.
Thanks for being amazing ya' all.... really appreciate your help
Click images to enlarge them.
Cards: 2 Discover's, 1 BofA , 1 Chase Freedom, 1 CITI double cash, 2 NFCU platinums, Venture, Capital Quicksilver, Capital QuicksilverOne,
- Tagline Need BTC card
- Score data EX 757 TU: 742 EQ: 750
- Classic 8 Scorecard CLEAN/THICK/MATURE/NEW-REVOLVER
- Mortgage Scorecard CLEAN/THICK/YOUNG/NO-NEW-ACCOUNT
- AoOA 20 yrs
- AoORA 20
- Date of Last Inquiry and/or New Account Opening January 1st, 2023