Need help with determining which Credit Card would be the best

Here is my situation. Currently only have one credit card, BoA Alaskan Airlines (since 2008) that is pretty much maxed, $6k balance on a $7k limit. I would like to open another card with a 0% balance transfer to help me pay this down as well as lower my utilization. I have solid credit history, no delinquents and have perfect payment history. No current loans or installment payments and last credit check was earlier this year, a 704 with Experien. I have been comparing the Chase Freedom, Slate and Discover IT and wanted to see what your experiences were and what chances you think I have of qualifying for each card. Which card would be best for my situation? Thanks in advance.

runergrl wrote:
Here is my situation. Currently only have one credit card, BoA Alaskan Airlines (since 2008) that is pretty much maxed, $6k balance on a $7k limit. I would like to open another card with a 0% balance transfer to help me pay this down as well as lower my utilization. Nothing will be best for that situation other than paying down the balance on that card. Revolving utilization is a major scoring and risk factor. It falls under Amounts Owed below:http://www.myfico.com/crediteducation/whatsinyourscore.aspx With 85% utilization you're going to have a hard time getting approved. Even if approved you're going to get a low limit and a high APR. Don't count on a new card to reduce your utilization. runergrl wrote:
I have been comparing the Chase Freedom, Slate and Discover IT and wanted to see what your experiences were and what chances you think I have of qualifying for each card. Which card would be best for my situation?Let me give you an example of how constricting high utilization can be. I was in a similar boat but I had more cards and, aside from utilization over 60% a solid credit profile in good standing. However, Chase would only approve me for a $2K Slate with the highest APR offered at the time. It was completely useless. I was able to get my utilization down to under 10% (I think close to 2%) 6 months later. At that point I had 2 instant approvals within a day of each other. Each of those Chase cards were approved for $25K. Approvals at that point were qualifying for the lowest APR on cards with ranges. I'm not saying that you'll get $25K when you lower your utilization. Again, just demonstrating how constricting high utilization can be, If you're going to app then you want your credit to be in the best possible shape. At 85% on your only card you're a long way from that. I know that's not what you want to hear but it would be unreaslistic IMO to encourage to to expect a card useful for BT and for lowering your utilization.

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