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Hi, I will try to be brief on my question. I used to have a Fico score of 712 and it dropped to... |
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Date:
December 1, 2008, 11:34 am |
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Hi, I will try to be brief on my question. I used to have a Fico score of 712 and it dropped to 653 due to having various credit cards and lately most of them are almost up to their credit limits. I now have three credit cards with balances and the total adds up to $8,500 between the three. Only one of them has a running APR of 20%, and the balance on that one is about $5500. I was wondering if there is a credit card that I could apply for with a lower APR or 0% introductory APR in order to transfer the total amount or most of it.
BTW, last week I tried to obtain a Discover Card (didn't know I needed good credit for it) and was approved for one with a credit limit of $500 which I denied and cancelled today. Does this affect my FICO if I apply for another one again?
Many thanks,
Brigitte |
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Answer:
Your credit score is still near the good level and, what's more important - you do not have any late payments on your credit cards. At least you do not mention it. If so, you may try applying for a Capital One card designed exactly for good credit score applicants. It is the only Capital One card with 0% intro rates available to good credit applicants. Other good credit offers with 0% balance transfers come form Citibank.Capital One Platinum comes with 0% intro APR on balance transfers and purchases until October, 2009 and no annual fee. Its credit limit range is $500-$15, 000, which means you can transfer the whole of your balance onto it. Citi® AT&T Universal Savings Platinum Card is designed specifically for good credit applicants and offers them 0% intro APR for 12 months. There is no 0% intro offer for purchases however. There is no annual fee and there are additional platinum benefits for qualifying customers. Citi® AT&T Universal Savings & Rewards Card offers, along with 0% introductory APR on balance transfers, a 1 point per dollar rewards program. It also requires good credit rating to approve you. If you apply your score will drop a few points but you'll raise it again after a while of responsible payments on the account. Apply online now and reduce your debt. |
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