topic Re: 620 FICO: Which 0% CC is best for me? in Credit Cards

620 FICO: Which 0% CC is best for me?

Mickey11 — Wed, 27 Jun 2012 19:06:02 GMT

Been a while since my last post, we've done some remodeling and looking to move about 3500 off a 15% APR card. Any suggestions? I've heard Chase Slate, Diamond Preferred etc. I have 3 Chase cards ranking between 6-8 months old all in excellent standing :-) Thanks!

Re: 620 FICO: Which 0% CC is best for me?

Revelate — Thu, 28 Jun 2012 05:24:43 GMT

Mickey11 wrote:
Been a while since my last post, we've done some remodeling and looking to move about 3500 off a 15% APR card. Any suggestions? I've heard Chase Slate, Diamond Preferred etc. I have 3 Chase cards ranking between 6-8 months old all in excellent standing :-) Thanks!

At 620 FICO? Frankly, I just don't know that there are any. Most seem to start around 660-680 anecdotally but Chase apparently has lowered their requirements nearly across the board from an underwriting perspective, maybe a Slate is in reach though I think a year's history on the rest of your Chase tradelines would be far more optimal.

Maybe there's a credit union which would offer a BT w/0% in that range?

Re: 620 FICO: Which 0% CC is best for me?

rootpooty — Thu, 28 Jun 2012 05:53:39 GMT

op whats with the 620 fico given what scores you have posted in your sig? you have great lines already but i doubt chase will issue you another line being you already have 3 with them currently and they are big on util.

Re: 620 FICO: Which 0% CC is best for me?

Creditaddict — Thu, 28 Jun 2012 13:59:52 GMT

Mickey11 wrote:
Been a while since my last post, we've done some remodeling and looking to move about 3500 off a 15% APR card. Any suggestions? I've heard Chase Slate, Diamond Preferred etc. I have 3 Chase cards ranking between 6-8 months old all in excellent standing :-) Thanks!

You have 3 Chase cards with $5k limits with 640 Fico??

Barclay is about the only 0% I would think with that Fico, but not understanding the approvals with Chase!

Discover? do pre-approval, I wouldn't apply if you didn't get the pre-approval...

You have access to Navy?

Re: 620 FICO: Which 0% CC is best for me?

Mickey11 — Thu, 28 Jun 2012 16:24:12 GMT

I used to be at 670 but my score took a hit after I appd for all the cards I have. My AAoA is 2yrs, the numbers below are the limits I have on my cards. I think my score is starting to go up.....I've been PIF and never been late so I'm not sure why my score dropped so much but I'm just making sure I charge and pay each month. I'm hoping to app in early July nice my reports are updated again. When I app'd for my Chase cards they denied me at first then they approved me but had to move $1k from my freedom because the SP has a $5k min and at the same time they let me app for my Disney Premier and they gave me another $5k....so I don't know if Chase just really trusts me or what. Hope the helps : )

Re: 620 FICO: Which 0% CC is best for me?

Repo-ed — Thu, 28 Jun 2012 19:39:58 GMT

Amex Zync. Do it.