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deanna0976 said: "I am in the process of divorce. CC are eating my lunch through all of this though. I have a First Premier, two Capital One, a Household Bank Card. It would be nice to do a balance transfer on these cards. I don' t know anything about doing it though. What is the best route to go and do balance transfers hurt your credit? Any information on this is appreciated. I lost! :confused:"
rapidanian said: "Balance transfer from where to where? Do you have BT offers? What is your situation with the cards you've got?"
jayb said: "no a BT is great if you can get a low or no interest card to transfer too. will lower your payments as it will be only one bill instead of several min payments due. go for it"
JoshJohnson said: "It shouldn't hurt your credit, but it will count as an inquiry.
Read all of the fine print because some the rates are only introductory."
deanna0976 said: "I don't have any particular offers at this time. I have been looking around on the net to compare. Do any of you have one to refer me to? My capital one cards just have really high interest rates as well as the Household account.
Thanks guys!"
credit_card_collector said: "Try Providian.
"Your APR for balance transfers will be 0% for the first 12 months and a variable rate of 9.99% to 19.99% (depending on your credit) after that."
[url]http://www.providian.com/[/url]
Plus I really like the looks of that card because you have free online access to your FICO scores at all times. :)
Good Luck. :)"