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August 12th, 2015 at 06:48 am

I'm going to do a long update tomorrow.

For now, Nationwide accepted me. Credit limit is 2800. I've checked BoS and I have a balance of 2936.13 before the interest is added. I want to transfer as much as possible. My question is, how close to the credit limit is too much? Will it just seem desperate if I transfer as close to 2800 - excluding 3% balance transfer fee, that is - as possible?

8 Responses to “Accepted”

  1. creditcardfree Says:

    I think I would try for the full amount, unless you know of some conditions I don't. It's great that you were accepted. This will really help you in the long run. I wouldn't worry if it looks desperate. They can always reduce the amount they transfer if you aren't eligible. Go for it!

  2. scottish girl Says:

    Thanks, it would be 2700 plus 81 fee so that's as close as I can get it.

  3. ceejay74 Says:

    Agree w/CCF, you've already got the card, so it doesn't matter what they think! Smile

  4. starfishy Says:

    they want you to transfer as much as possible! Smile good luck!

  5. Kiki Says:

    I would call and make sure you can use the full amount. If there is a balance transfer fee and it pushes you over the limit, there could be additional fees or void the BT offer.

  6. FrugalTexan75 Says:

    I would agree with Kiki - call first and make sure how much you can use of the limit with your transfer.

  7. snafu Says:

    congratulation on acceptance, I know it was worrying you. I too would verify the sum that can be transferred, how 3% transfer fee is applied and any other costs that will be applied. Most important ask the name or identifier of who you talk to. I note details in my day timer/calendar for reference. It's that old 'Murphy Law,' if you have the information, you'll never need it!

  8. scottish girl Says:

    I have read the fine print and I understand so the balance transfer should be fine

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