Credit Karma said I had an excellent chance for approval so I applied; history of bad credit but have built it up elsewhere. Chase gave me a 6,200 credit line and card was in hand in days. If you pay it off monthly who cares what the interest rate is? I migrated all my outstanding cc balances over and pay 0% on those for 15 months; will have paid off before then. Good people and good card.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0%* intro for 15 months
- Balance Transfer Regular APR 17.24 - 25.99%* Variable
- Annual Fee $0
- Purchase Intro APR 0%* intro for 15 months
- Purchase Regular APR 17.24 - 25.99%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
I applied for this card with the intentions to utilize the 0% balance transfer for 15 months option. However, what they do not tell you in the card descriptions; "you may be approved for card without having the balance transfer option". I was approved for $6400 without a balance transfer option; when I spoke with customer service they said that balance transfers are a promotional option, which I didn’t qualify for based on my credit worthiness. This doesn’t make much sense... giving the amount of credit line I was approved for and having a 680-700 credit score. Just be aware if you are applying for this card because you would like to use the balance transfer option, there's a great possibility you will not be allowed that option, even if approved.
On the other hand, American express (no affiliation) approved me for a credit line, and the option for balance transfer is standard with approval (not promotional).
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