I am going to be appyling to an offer next week for a Balance Transfer after my mortgage closes. I have an offer I am interested in from a bank I already have a relationship with.
My question is this though, what are some good offers out there righ now with 0% APR for 12-18 months? Is Discover good? Citi?
I also would prefer multiple bureaus do not get pulled. Penfed only pulls EQ and they have a 0%. Barclay is usually only Transunion. Not sure on Discover card or Citi.
My EX and TU are the highest though. Also, what score model is used on these? My Fico 8 is what I am going by. I know Penfed uses Gen 2, Not sure on NFCU, Discover, Citi, Barclay etc?
Any help would be greatly appreciated. Trying to calculate my odds of choosing the right 1 or 2 offers/cards.