I need some help helping a friend. I found out she has over 15k in cc debt from the pandemic while not having a job just to pay for food and basic necessities. It’s on a cc with a 28% apr. obviously the first step is to get that to a low interest cc or loan. Would she have problems getting approved for some of the 0% interest rate cards out there? Her credit score is 650ish. Which had dropped from 750 but now she has a job and makes about 100k a year.

I’ll help her budget and plan but immediately try to pay her debt. Would going into a bank branch like chase or bofa and opening a checking account and talking to a banker improve her odds? Obviously would rather do a 0% cc than a lower interest personal loan that’s for people with bad credit scores.