I have a BoA, but there are no promo BT's available and my BT rate is 11.9% (Yeah sure). My Citi is the one I use for everything and I need to BT FROM it to something else, my rate there is 9.65 (6.9 promo BT rate). I was gonna Bt to BoA then back to Citi, but the promo BT ends 7/15, and frankly I'd LIKE to take my time paying it off, plus save for my house at the same time. Any help is appreciated!! I would really love something that's hidden, like generations (got denied), that way I could get the house sooner!!
Not the most exciting post, but I could use some help, I tried to millcbs.com but its outdated......what about Juniper, I've seen some approvals with them at 680, then some denials at 720, any idea what they look for?
Not sure whom you have applied with?? But have you tried Chase?? The usually always pull TU and I know they have some good BT deals going on? Juniper is tough, they like long credit history, low ratios and few inquiries and most of the time pull EQ. I was shot down twice for juniper, then they offered me a 500 "GEORGE Toy card", I said thanks but no thanks.
KHM, I'm in the same boat as you. This is what I have found so far. Juniper - 1.9% for six months, No BT fee I was told they seemed to have pretty hard restrictions for approvals, but they approved me so they can't be that hard. Chase Platinum - 0% for 12 months, 3% BT fee up to $50 (I threw this app away a couple weeks ago and am now kicking myself). MBNA Platinum Plus - 0% for 6 months, don't remember if there was a BT fee, my guess is yes. Citibank Jack Nicholas Card - 0% for 6 months, 3% BT fee up to $50 Citibank Platinum Select - 0% for 9 months, 3% BT fee up to $50 AT&T Universal - 0% for 12 months, no fee for 1st BT (when applying), 3% BT after that up to $50 Hope this helps. Dani
