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Showing results for tags 'Balance Transfers'.
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Happy New Year everyone! I noticed a soft from Chase on Experian yesterday. I have a checking account, a Freedom ($800) and an Ink ($4200), but they very rarely soft me. Got the idea to check their pre-qual and sure enough there's an offer for a Slate...first time EVER getting an offer from them. The other two cards were cold apps. I have a few balances I'd like to move over and the 15 months would be great. Question: The offer included the pre-screen opt-out info below it. Is this a guaranteed approval? My Ex FICO score is 667 at last check (couple of weeks ago), but I believe Chase also does their own internal scoring. Both cards are in good standing, never late. Thanks!
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Hey CBers hope you are all enjoying your weekend! I have a question regarding BTs and PIF. I normally PIF, sometimes we carry a small balance or balance on a 0 percent special interest. However, I know that most of the advice on this site says to PIF, especially on cards that like to see that, Discover and Barclays in particular, which apply to our personal cc portfolio. My question is, since I also see post on CB saying that users do BTs for the 0 interest specials for 15 or 18 months, are you folks allowing these BTs to sit? If so how do the CC companies view this, since they like to see PIF monthly? My reason for asking is that we have a few BTs to do, one of $11k that we want to PIF, one of $2400 that we want to PIF and one of $3000 that has it's 0 interest special ending in January, since I recently completed an app Spree for DW, I could BT all of it and spread it out over a few cards and PIF within 1st billing cycle. Also, is doing a BT and then PIF within 1st billing cycle also viewed favorably by CC companies (like paying your monthly usage before billing cycle closes)? Just trying to get a strategy down, have been reading and learning from CB for about a year, so I am always trying to improve! Thanks for all your help!
