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i'm looking for a credit card that i can transfer to one card because i have two cards that the... |
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Date:
September 11, 2008, 10:04 am |
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i'm looking for a credit card that i can transfer to one card because i have two cards that the interest rate is to high. One card has 9,262 and the other has 2,400. I'm trying to pay off in a year. |
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Answer:
If you're looking to consolidate the two of your debts onto a single balance transfer (b/t) credit card, then it should be a high-limit plastic, with at least $12,000-15,000 on it. To qualify for a high-limit b/t credit card with 0% intro APR for 12 months, you're required to have a solid FICO score ranging from 660 to 850, a long-term credit history and high job income. If you comply with the requirements, you can consider applying for one of the following b/t credit cards.Discover More Card-Clear is a good credit card with 0% intro APR on b/t for 12 months, no annual fee and cash back rewards. Citi CashReturnsSM Card from Citibank offers a lowest APR on purchases in addition to 0% APR on balance transfers and generous cash back bonuses. Though these are high limit credit cards, your actual limit will depend on how much credit you can currently afford to have. If you have a limited credit history and low FICO scores (620-659) because you're only building them up, you won't be able to qualify for good, no interest rate b/t credit cards. In this case an optimal variant with balance transfer option would be Capital One Platinum-Visa. It doesn't have a promotional period but offers a lowest ongoing APR on balance transfers. You're required to have no bad payments to qualify for this card. Also, its limit allows transferring the second card's balance only. Study and compare these b/t cards to find which one you qualify for. Apply online. |
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