jennifer79
Oct 27, 07, 2:52 am
Hi. I have about 50K in cash and 17K in debt on one 0% 12-month credit card offer, and have about 5 open cards with 0 balances that I signed up for their miles offers. I don't need more miles now. I want three credit cards:
1. a place to transfer my 17K balance to when the 0% offer expires in a few months. low balance transfer fees and a card that will give me the full 17K transfer rather than a 10K limit or something would be best
2. a card that has 0% for 12 months or more on new purchases
3. a card that pays 5% back
Any suggestions? Should I cancel some of the open 0-balance cards before applying for new cards? My FICOs are about 685/705/725. No late payments, just a short history with list of inquires.
Should I apply for cards now for consumer cards when I have a high-income job, or in 6 months when I have no income but will have a business to get a business credit card? Or maybe both?
1. a place to transfer my 17K balance to when the 0% offer expires in a few months. low balance transfer fees and a card that will give me the full 17K transfer rather than a 10K limit or something would be best
2. a card that has 0% for 12 months or more on new purchases
3. a card that pays 5% back
Any suggestions? Should I cancel some of the open 0-balance cards before applying for new cards? My FICOs are about 685/705/725. No late payments, just a short history with list of inquires.
Should I apply for cards now for consumer cards when I have a high-income job, or in 6 months when I have no income but will have a business to get a business credit card? Or maybe both?