Misc Credit Card Questions

[Freecountry]

I have an excellent credit and only 2 cc (Amex and Citi) and want to open a new cc that offer free transfer balance and 0apr for 12/18 month.

What are the best option ?
( And does a business cc will be better for that propose or not? I don't have a business..)


And could I do transfer balance from 2 cc or you allow to do only 1 to 1 ?

Thanks.

this is a good option. Chase business ink unlimited
https://www.dansdeals.com/go/IBUQS/

[davidrotts63]

this is a good option. Chase business ink unlimited
https://www.dansdeals.com/go/IBUQS/

Not really, it has a 5% BT fee.

[myi]

I currently have the Amex blue cash got in the mail a offer for the Amex gold premier rewards 50k miles after spending 2k is it worth for the $195 a year?  and when/if can I close the account so not to get charged after 12 months?

How long ago did you get that Mailer? I thought they stopped mailing  out offers ,interesting to hear that they still have offers floating around in the mail.

[davidrotts63]

How long ago did you get that Mailer? I thought they stopped mailing  out offers ,interesting to hear that they still have offers floating around in the mail.

Personal mailers are still around, the PRG ones are still quite common.

[Freecountry]

Not really, it has a 5% BT fee.

it says no BT fee for first 12 months

[Freecountry]

Not really, it has a 5% BT fee.

actually your right I read it wrong it has 0% apr on BT's for first 12 months but a 5% fee on the transfer. So not a great option

[davidrotts63]

actually your right I read it wrong it has 0% apr on BT's for first 12 months but a 5% fee on the transfer. So not a great option

Yup. Even those that charge a BT fee (for 0% APR  intro cards) usually keep it at 3%,so this is actually worse then those.

[Joel]

How long ago did you get that Mailer? I thought they stopped mailing  out offers ,interesting to hear that they still have offers floating around in the mail.

3 weeks ago, also got the Amex Platinum 60k But that’s the same as public offer

[Pad18]

Where are you getting that number from?

from the app of each cc :
Amex - 785
Citi - 776
Bankof - 776

this is a good option. Chase business ink unlimited
https://www.dansdeals.com/go/IBUQS/

thanks, but as davidrotts63 said, i dont want to pay the 5% transfer ...

[davidrotts63]

from the app of each cc :
Amex - 785
Citi - 776
Bankof - 776

thanks, but as davidrotts63 said, i dont want to pay the 5% transfer ...

Those are some decent scores, since you are under 5/24 you can get the Chase Slate for 15 months.
There is the Amex Everydays for 15 months as well, + a SUB.
For a Business option, there is the Amex Blue For Business Plus with a SUB as well.

If you have a history with Amex (credit cards, not charge) you generally can figure out what CL they'll give, but you don't get enough there is no recourse, as you can't transfer credit during the no BT fee period.

With Chase you can transfer credit if they don't approve you for a high enough CL.

BOA has a popular option as well with the Americard, but I don't see an advantage to that, unless you think you can get a nice CL.

[Joel]

What is all the differences regarding charge cards versus regular?

[davidrotts63]

What is all the differences regarding charge cards versus regular?

Charge card has no set CL.

[Joel]

Charge card has no set CL.

Is this the only difference?

[Pad18]

Those are some decent scores, since you are under 5/24 you can get the Chase Slate for 15 months.
There is the Amex Everydays for 15 months as well, + a SUB.
For a Business option, there is the Amex Blue For Business Plus with a SUB as well.

If you have a history with Amex (credit cards, not charge) you generally can figure out what CL they'll give, but you don't get enough there is no recourse, as you can't transfer credit during the no BT fee period.

With Chase you can transfer credit if they don't approve you for a high enough CL.

BOA has a popular option as well with the Americard, but I don't see an advantage to that, unless you think you can get a nice CL.

yes, i have a very good history with Amex, how could i ''figure out'' the credit line that they will give me ?
but i currently have the everyday preferred .. could i get the Amex everyday as well ?

what is SUB ?

will i have an issue with Amex Blue, if i apply with 'sole proprietorship' ?

[davidrotts63]

yes, i have a very good history with Amex, how could i ''figure out'' the credit line that they will give me ?
but i currently have the everyday preferred .. could i get the Amex everyday as well ?

what is SUB ?

will i have an issue with Amex Blue, if i apply with 'sole proprietorship' ?

IME Amex generally approves around your highest CL, lower if it's recent, higher if it's older.

Yes

Sign up bonus

No

[Pad18]

thanks, will look on this 2 cards.

[theyankel]

Those are some decent scores, since you are under 5/24 you can get the Chase Slate for 15 months.
There is the Amex Everydays for 15 months as well, + a SUB.
For a Business option, there is the Amex Blue For Business Plus with a SUB as well.

If you have a history with Amex (credit cards, not charge) you generally can figure out what CL they'll give, but you don't get enough there is no recourse, as you can't transfer credit during the no BT fee period.

With Chase you can transfer credit if they don't approve you for a high enough CL.

BOA has a popular option as well with the Americard, but I don't see an advantage to that, unless you think you can get a nice CL.

i applied for ED card. got approved for 10k. got letter a few days later that they took some CL i wasnt using and moved it to new card. i then called CS and even before i got card, i was able to move 10k from another card for a total 20k CL. i immediately was able to transfer balances during no fee period. i have completed several thus far and still have some time to go 60 days

[Pad18]

 Ed card = Blue business !?

It's as 'sole proprietorship'' or under a real business ?

[davidrotts63]

i applied for ED card. got approved for 10k. got letter a few days later that they took some CL i wasnt using and moved it to new card. i then called CS and even before i got card, i was able to move 10k from another card for a total 20k CL. i immediately was able to transfer balances during no fee period. i have completed several thus far and still have some time to go 60 days

Nice! I guess you did it the unofficial way, via reconsideration dept?

Ed card = Blue business !?

It's as 'sole proprietorship'' or under a real business ?

ED=Everyday

[Joel]

How long ago did you get that Mailer? I thought they stopped mailing  out offers ,interesting to hear that they still have offers floating around in the mail.

Amex higher sign up bonuses! Solved!
https://r.tapatalk.com/shareLink?share_fid=16768&share_tid=93041&url=http%3A%2F%2Fforums%2Edansdeals%2Ecom%2Findex%2Ephp%3Ftopic%3D93041&share_type=t

Here is how I got better sign up bonus on all the Amex cards