Credit Card Questions


ADVERTISING DISCLOSURE: is an independent, advertising-supported web site. receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. has not reviewed all available credit card offers in the marketplace.

Credit Card Applications » FAQs » Other Questions » Hello, My credit scores are: 657, 638, and 643. I needing to transfer a balance of...

My credit scores are: 657, 638, and 643.
I needing to transfer a balance of around $5,300.00 over to a credit card that will provide me with a 0% transfer fee or better. In addition, I am seeking a low fixed rate card.

Whic cards on your site should I apply for, and also oppose to applying online will I have the ability to speak with a live representative to get my application processed?

Thanks so much for your help!


Date: November 10, 2008, 5:31 am
Your credit score is fair, so your choice is limited to certain credit cards online. Capital One credit cards for fair, or average credit rating, would suit you but you have to comply with a number of requirements: you have a good income and you haven't made any late payments recently. If these statements are about you, choose among the following cards:

Capital One Platinum - Visa is a low APR card with no set up fee, no transfer fee and favorable annual fee. Low APR applies both to purchases and balance transfers.

Capital One Standard Platinum offers you no annual fee and no balance transfer fee, but the APR is higher.

Orbitz® Visa® Platinum is a points rewards credit card with no annual fee and no balance transfer fee. All the cards come with up to $3 000 limits, so you will not be able to transfer the whole debt onto one card. You can choose to transfer only part of it or apply for two cads at a time.

Typically, you can request two credit cards but your approval will depend on lots of factors such as your credit-to-income ratio, your debts, how you pay bills and others. If your total credit available is already too high relative to income, you might not be approved.

Choose a card (cards) and click "Apply" to be redirected to the application form where you'll also find a telephone number of the bank.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
Get the latest news, articles and expert advice delivered to your inbox. It's FREE.
Didn't get an answer to your question?