I got a new credit card yesterday. No problem. Migrating the old balance onto the new one and closing the old one.
I am a real estate agent and I can tell you that several of my clients have not been able to get financing, and they are earn a moderate income.
I have not applied for a loan but we get dozens of cc applications each week and many with that “no interest” or low interest feature on balance transfers....hubby got a home depot cc a month ago with 6 months same as cash.....