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Valued Contributor
creditnocash
Posts: 1,922
Registered: ‎07-23-2012

0% apr card?is this possible? perk of being employee?

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‎10-20-2012 09:11 PM

it goes balance subject to apr/apr/and total for the year charged. 
Purchase $ 0.00 0.00% $ 0.00
Cash Advance $ 0.00 22.24%(v) $ 0.00
Balance Transfers $ 0.00 0.00% $ 0.00
(v) = Variable Rate

 

has anyone seen this or had this before. 

 

im getting more exited for my 90 day promotion to be up so i can pc my second card to this one. 

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: $21,600

Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012


2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000
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Established Member
Elcid89
Posts: 354
Registered: ‎10-04-2012

Re: 0% apr card?is this possible? perk of being employee?

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‎10-20-2012 09:16 PM

Um, what is the card?

FICO scores: 819 (EQ) 815 (EX) 803 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $42k - BMW Ultimate $36k
Chase Sapphire Preferred $42k - Merrill Lynch + Signature $33k - USAA Rate Advantage $20k
NFCU Flagship Signature $33k - USAA Cash Rewards AMEX $20k
Citi Platinum Select / AAdvantage Signature $23k

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Valued Contributor
creditnocash
Posts: 1,922
Registered: ‎07-23-2012

Re: 0% apr card?is this possible? perk of being employee?

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‎10-20-2012 09:17 PM

Elcid89 wrote:

Um, what is the card?

its a citizens bank mastercard. i have two and the other card has an apr of 17.99

 

i looked through my past 4 statements and they all say 0%apr. so its not a glitch. 

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: $21,600

Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012


2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000
Message 3 of 12 (620 Views)
 
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Established Member
Elcid89
Posts: 354
Registered: ‎10-04-2012

Re: 0% apr card?is this possible? perk of being employee?

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‎10-20-2012 09:22 PM

No idea, but it's a heck of a deal. If it's legitmate, I'd jump all over it.

FICO scores: 819 (EQ) 815 (EX) 803 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $42k - BMW Ultimate $36k
Chase Sapphire Preferred $42k - Merrill Lynch + Signature $33k - USAA Rate Advantage $20k
NFCU Flagship Signature $33k - USAA Cash Rewards AMEX $20k
Citi Platinum Select / AAdvantage Signature $23k

Message 4 of 12 (608 Views)
 
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SportBike4Life
Posts: 120
Registered: ‎07-22-2012

Re: 0% apr card?is this possible? perk of being employee?

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‎10-20-2012 10:34 PM

are you sure that it's not a promotional apr rate? many cards offe 0% apr for anywhere from 6 to 12 months.

Jun 2012 FICO® ~ 734 EQ
Sep 2012 FICO® ~ 684 EQ; 734 TU
Oct 2012 FICO® ~ TBA

Goal for 2014 ~760+

Trying to stay in the garden...but also trying to get as many apps as possible for now :smileywink:
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Valued Contributor
creditnocash
Posts: 1,922
Registered: ‎07-23-2012

Re: 0% apr card?is this possible? perk of being employee?

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‎10-20-2012 10:57 PM

SportBike4Life wrote:

are you sure that it's not a promotional apr rate? many cards offe 0% apr for anywhere from 6 to 12 months.

it could be im not sure. 

my freedom has a promotional rate but it says exp nov 13 

this just says 0.00% apr.

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: $21,600

Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012


2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000
Message 6 of 12 (534 Views)
 
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Valued Contributor
jsucool76
Posts: 2,659
Registered: ‎12-11-2011

Re: 0% apr card?is this possible? perk of being employee?

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‎10-21-2012 07:08 AM

There is an applied bank card (i knoe, right) that doesn't charge interest, instead you havr to pay a monthly maintenances fee. Lol.
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart: 1300CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
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Valued Contributor
youngandcreditwrthy
Posts: 3,786
Registered: ‎08-16-2012

Re: 0% apr card?is this possible? perk of being employee?

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‎10-21-2012 08:24 AM

LOL you make not have any interest charges if you havent used those categories... Have you used that card?
Paypal Extras Plat MC $25k | Lowe's $12k | Amex BCE $10.5K | WMT Discover $15k | Ban Repub Visa $14k | Dillard's $10k | Travelocity Amex $7.7k | JCP $6.5K | Smile Gen $6.25k | Freedom Visa $5k | Citi Dia Pref $5k | C1 No Hassle Cash Visa $5k | Discover IT $4.75k | Amazon Store $10k | ANFitch $2.95k | Express $3.05K | Chevron $2.1k | Orchard Gold $1.7k
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Valued Contributor
youngandcreditwrthy
Posts: 3,786
Registered: ‎08-16-2012

Re: 0% apr card?is this possible? perk of being employee?

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‎10-21-2012 08:25 AM

May*
Paypal Extras Plat MC $25k | Lowe's $12k | Amex BCE $10.5K | WMT Discover $15k | Ban Repub Visa $14k | Dillard's $10k | Travelocity Amex $7.7k | JCP $6.5K | Smile Gen $6.25k | Freedom Visa $5k | Citi Dia Pref $5k | C1 No Hassle Cash Visa $5k | Discover IT $4.75k | Amazon Store $10k | ANFitch $2.95k | Express $3.05K | Chevron $2.1k | Orchard Gold $1.7k
Message 9 of 12 (394 Views)
 
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Valued Contributor
creditnocash
Posts: 1,922
Registered: ‎07-23-2012

Re: 0% apr card?is this possible? perk of being employee?

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‎10-21-2012 02:43 PM

Yes I've ran about. 1.5k through the card but never let it carry over
Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: $21,600

Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012


2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000
Message 10 of 12 (325 Views)
 
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