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Best bet for higher limit for 21 mo.balance transfer

The last post in this topic was posted 1235 days ago. 

 

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Citi Diamond or Discover It? Need that 21 month bal transfer!My overall utilization has gone from 74% to 28%. This would put the final nail in the coffin to pay off the rest of my debt faster. Need a minimum of 12k as I would like to transfer over about 5k. THANKS!

 

All 3 FICO scores are in mid 760s. Overall util. at 28% highest single card at 88%.

Edited by gijoeboxer

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I just looked at Discover's website and it shows 14 months with a 3% transfer fee. Perhaps there are better offers out there. I would app Citi first as they seem more sensitive to inquiries.

 

Another option to consider is NFCU which is offering 3% interest for 1 year with no BT fee through the end of February. They are also usually generous with the starting CL.

Edited by nooneimportant

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I would app Citi first also. I have the Diamond (since 2015) & the Discover (since 2008).

 

My SL on my Diamond was $4,800 & is $10k now after 1HP CLI. Discover started at $1,500 IIRC & is $8,200 9yrs later. My score is over 800 now, but I was 720, or so, when I received the Diamond.

 

Initially, I transferred $4,500 onto the Diamond, but paid it off over 4 months. I was in the process of paying down $25k of revolving debt at the time like you indicated you are doing.

 

nooneimportant's suggestion of NFCU is another choice you should consider. My SL was $17,600 (Feb, 2016), but they bumped me to $25k (March, 2016). Whatever amount you're trying to pay down, a higher limit would boost your score by lowering your utilization, both collectively & individually.

 

My $25k is down to $7k now & is refinanced into a personal loan. Feels amazing to have $2 reporting on 1 card now. Wish you the best of luck

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Edited by trachkids

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i would have to agree with what was said above; discover is last, citi is second, but if you can go with navy federal; read the very long thread about "anyone can join" it is true - i did the same; got a 24K limit with them, with the 3% intro fee i'm paying about 18 per month in interest on around 9K, no balance transfer fee; certainly worth it to me;

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