Well, I finally did it. I had two BTs on my AT&T Universal Card, one at 3.9% and one at 5.9%. I also had a BT to my United card (I hated to do it, but I needed the 3.99% for life). I've been getting offers from everyone. Finally, I got one from Cap One for "up to $20,000" with BT at 3.99% for life of transfer if done with the application. Since the 3.9 was getting paid off before the 5.9, I decided to go for it. I realized the fine print said "credit limit from $500 to $20,000" and a lot of people get $500. So, I called the 800 number to talk to a live person. APPROVED FOR $20,000!!! Now my AT&T will be paid off (except for a small amount in dispute because they charged something on my card that they shouldn't have) and most of the Mileage Plus is as well. Now I just need a place for the rest of the Mileage Plus BT and I'm set!!
My FAKO scores were all in the low 700s. Unfortunately, I haven't had time to check in the last few days. Last I checked they ranged from 700-722. But when I pulled my real FICO a few months ago, it was about 40 points lower. I was afraid to apply because FirstUSA turned me down for a Marriott Rewards Visa last year. If I have a chance I'll check my scores tonight. I've had a lot of trouble getting on PG lately.
