I would head over to creditboards.com and get some excellent NON-JUDGEMENTAL advice.
Can u do balance transfer between spouses, or names have to be on account? Does a spouse as an AU work on that end?
Funny you should say this. I think it's excellent advice to check out CB, but I was noticing how nice and generally non-judgemental the responses have been on this thread.
I noticed that to after my comment.
Mind explaining this a bit more in detail please?
Don't forget that the bank has no incentive to negotiate a penny as long as you're paying them as agreed.
OP, why not just continue paying minimums until you can the money to pay off the debt? Sure, you'll pay interest, but your credit will remain good. Another option to consider is to apply now for a balance-transfer 0% interest card and park the debt there for 18 months while you work it out.
Anyone know the best non- chase option?
Can i, say, transfer from chase, than at a much later point in time, transfer back to chase, or they will see the history and not allow...
Not sure. I know people have been approved in the low 700's.Do a Google search for best balance transfer cards. There are various sites with graphs and all the info laid out.
What are you answering to?
Citi simplicity and Discover it cards.
Anyone know the best non- chase option? 0% period and low BT fee...
I heard of someone that needed a loan with 0 percent apr intrest etc for 18 months signed up for one of these cards spent it for a electronic buying group and kept the check instead of paying back the card. has an intrest free loan for 18 months or so. you could do something similar if you find a card that has a balance transfer fee and send the check you recieve to pay back your chase
Basically just buy VGCs, MOs, pay off the card with a balance, and now you have an extra month, or can be close to 2 if you time it right, before needing to make a payment. If you get the balance on a card like slate, then you have a year or 18 months of no interest.