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SuperAppreciative

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  1. Thanks for the response. I have a NFCU at $25k which is maxed (lowest APR on purchases) a Chase at $16k maxed (0% on balance transfer). I have a wells biz card that doesn't report but high APR where I could transfer around $6k from these 2 balances if it makes that big a difference on getting below 89%? I should have moved some balances around but I thought they would look more at overall utilization for approvals. I didn't think it would have made that big of a difference on my scores sitting where they were at 730-740.
  2. Currently have $15k Platinum with them with a low balance that was just boosted from their yearly $1k soft CLI. Got approved for a $20k auto loan but I'm going to turn it down ass I got a better deal from another lender. I would like to utilize the existing HP with the most likely option for getting approved given my credit profile. Options 1. If I apply for another card they have 6.9% on balance transfers (no fee) which would be less than what I'm paying now. 2. I could request a bigger CLI and would have balance transfers at 7.9% 3. I could could request a line of credit for emergencies 4. Combo of the above TU FICO 8 733 EFX FICO 8 740 EXP FICO 8 728 61% Utilization $46k total balance (from business) No late payments or bads.
  3. Applied to a bunch of credit unions for the purchase. Some are running a week+ behind on approvals. Accepted a loan for speed purposes but I think I will likely get a better deal with some of the other credit unions. Is there any benefit to the credit score showing a auto loan was paid off with a refi? I'm assuming the initial loan would be paid off before it even gets reported. Additionally would this help or hurt future approvals likely on other products with the lender that was paid off? Appreciate any help!
  4. Really appreciate it. Was going to apply for Amex but I thought I read that they will not do balance transfers from other cards.. Am I wrong about this?
  5. Trying to find the best 0% transfer card(s) with high limits. Would prefer to consolidate as much as possible to 1 or 2 cards. Debt is from new business which should be able to pay off within 12 months. Consolidation loan likely not an option due to income verification with less than 1 year in biz. Currently have cards with: NFCU, NASA, Chase, Wells all with higher rates TU FICO 8 733 EFX FICO 8 740 EXP FICO 8 728 61% Utilization $46k total balance (from business) No late payments or bads.
  6. Trying to be strategic with auto loan inquiries that I can utilize the HP and also apply for a credit card. Which banks or credit unions allow you to use the same HP for both? So far I have found: PenFed, NASA FCU & PSECU
  7. I have about $46k on 3 cards reporting on my person from new business expenses. I'm trying to find a way to transfer these to business cards with low balance transfer rates so my utilization isn't wrecked. Obviously would need to be feasible I would get approved as well. Any advice would be greatly appreciated! TU FICO 8 733 EFX FICO 8 740 EXP FICO 8 728 61% Utilization $46k total balance (from business) No late payments or bads.
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