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I am full-time employee. I am at poor credit rank <600. My monthly credit card payments are more than $2,000. My debt is around $25,000 or less I seek balance transfer credit card so that I can have improved credit rank. I am open for personal loan. I am not interested to apply for a credit card (online purchases).

[Friday, December 11th, 2015]

Since your credit is bad, you won’t be able to get a credit card with 0% intro APR on balance transfers. Also, the credit card issuers may not approve you for a credit card even with the minimum line of credit. You can try getting a personal loan though. Some lenders allow co-applicants, which will increase your chances to qualify.

Also, we would recommend you to pay off the credit accounts with lower debt. First of all, you will reduce your overall debt. And the second, which is more important, you will be able to increase your credit score. Reducing your debt, you will reduce the debt to credit ratio, which is good for your credit score. Making on time payments with all your creditors will add some positive payment history which will also result in credit score increase. 

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