How bad is it (with respect to credit rating) to dump one credit card, and sign up for another:
a: If you have a balance
b: If you have no balance
I have under 1k on my Capital One card from my "auto-x incident" awhile back, and have been thinking about transferring balances since Capital One has been pissing me off lately.
Should I wait another two months until I can pay my balance off to transfer? Or, would transferring to a "0% APR on balance transfers" card not hurt my credit rating?
Also, what's a fair price to pay for an online credit evaluation? About $25 to $30 for scores from all 3 major credit raters? I might check out my credit rating later today through this site: https://www.econsumer.equifax.com/co...ard=tri_detail