Credit Card ?

Question

I have a Discover card that has a balance of roughly 7 grand that I am trying hard to pay down/off but the interest rate is nearly 18%! Does anyone know of a good credit card offer where I can transfer my balance and get it paid off at 0% for a year or something like that?

Answer 1

You can find a complete list of balance transfer offers here:

http://www.asapcreditcard.com/0-apr.html

Right now, one of the best offers is the Platinum Edition Visa card from First National. It has an extremely long 0% intro APR for 15 months on purchases and balance transfers. Plus, it has a competitive ongoing APR of 11.99%.

If you're worried about getting approved for any reason, you might also consider the Chase Platinum card. Chase seems to have to loosest approval guidelines of all the major credit card issuers. Plus, this offer has a 0% intro APR for 12 months on purchase and transfers.

Of course, you should compare other offers before you apply. But these may be 2 of your best options.

Hope this helps. GOOD LUCK!

Answer 2

I am a big fan of the American Express personal cards. All of mine came with a 0% on balance transfers for 12 months. I think most of the Citi cards do the same, but some cards will charge you a 3% fee for the transfer. Also, as a general rule of thumb, try to have your balances below 30% of your available credit (which will help your credit scores). You may need to get a couple of new cards to do that depending on the credit lines, but 0% and low utilization will keep you ahead of the game.

Answer 3

Choosing the right credit card for you has more to do with your credit card spending and repayment patterns than anything else. In order to find out which credit card is best you need to think about your credit card usage. For example, do you pay the balance in full each month, do you carry debt over and incur interest and so on. See which of the statements below fits your credit card usage.

"I don't pay by credit card bill in full each month"

If you carry a balance over from month to month, you need to look for the lowest rate interest card available. Some cards charge high rates of 18% and upwards per annum, others charge less than 10% per annum. The interest rate makes a huge difference to the monthly minimum repayment amounts and also the ease at which you can pay down debt. A low interest rate is more important than a rewards program if you are carrying debt. Read more about it at: http://www.credit-card-gallery.com/article/151,Best_Credit_Cards_How_to_Pick_the_Right_Card_for_You

Answer 4

Check credit at my profile. These vendors are very fair in how and who they issue a card to. There's even one lender who will guarantee a card. Beat that. Personally I took the international card as my exchange rate is better and fluctuates daily.

Answer 5

Try Capital One or Bank of America.

Answer 6

credit card info here many bank's credit card details chechout this

Answer 7

way too much of a balance if you can get one do it otherwise try credit counseling.