Lately, my husband and I have been getting BOMBARDED with credit card offers, many of which are from Capital One. Most of them have really nice BT rates, up to 16 months at 0%, no BT fee, etc. I have a balance on an MBNA card that's currently at 0% for another couple of months...I will need to find someplace else to put it. My question is this: Should I go ahead and apply for Capital One and take their BT offer, or should I instead use their offers as leverage to get MBNA to give me an extension on their 0% rate (or a better go-to rate)? I hear mixed things about Capital One on this site (though mostly bad...). I'd rather not open any more CC accounts, and the MBNA is a pretty old and perfectly positive tradeline. Still, I can't resist all that free money. Thoughts on Capital One? Thoughts on whether MBNA might be willing to negotiate? Thanks!
Cap 1 is tough on CLs, so beware. Calling MBNA would not hurt and can only help. I would stay away from Cap 1 and if you really need to open another cc give 'George' a shout. From postings here 'George' is a real pro at this. Best regards, Mirage
