- Centurion Member
- Posts: 153
- Joined: Wed May 13, 2015 3:32 pm
- Location: New England
If you're looking for a balance transfer option, the Citi Diamond Preferred card has 0% for 21 months, and is one of the longest at 0% around. You'll also have to keep in mind you can't transfer more than your limit, so if you have $7500 in balances, and only get approved for $5K, you can only transfer $5K out of the $7.5K. Your late payment might hurt the credit limit given to you by Citi if approved (not to mention you only having 2 cards). You'll want to plan you payments to make sure you are finished or close to it when the 21 months comes up (i.e. $5K/21mo = $238.10/mo).
Another option would be a personal loan from either a bank or credit union, or from someplace like lending club. That has a interest rate, but your payments are fixed, and you have an end date for your payments, because the loans usually go for about 3 years, instead of being open ended as credit cards are.
Sock drawer Cards:
Amex: HHonors, MB Plat
Chase: Amazon.com Rewards, Freedom
Citi: Macy's Amex, Simplicity, ThankYou
Citizens Bank: Cash Back Plus World
Elan: Bank Rewards
Synchrony: PayPal Extras
755 Eq (12/16)|748 TU (12/16)|726 Ex (1/17)