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Can I get 0% APR for first 6 months with FICO of 648/644/661?

Valued Member

Can I get 0% APR for first 6 months with FICO of 648/644/661?

I am looking to purchase a ring and the jeweler is offering 6 months same as cash with Wells Fargo. My credit scores are: TransUnion 648 Equifax 644 Experian 661 I just paid off $24k of credit cards (all cc debt!). My Experian has jumped 22 pts in one month and it still shows I have $18k in cc debt. I'm waiting to see when Experian will update their records. Any ideas?
Message 1 of 6
5 REPLIES
Valued Member

Re: Can I get 0% APR for first 6 months with FICO of 648/644/661?

Forgot to mention: I have a Citi MC, AmEx Gold, and Discover with all 0 balances and were all paid off two weeks ago. The APR are around 18-24%! AmEx must be paid in full each month. I need about $8000 and will pay it off in 6 months... would like 12 months if possible no interest.
Message 2 of 6
Moderator Emeritus

Re: Can I get 0% APR for first 6 months with FICO of 648/644/661?

I am guessing you will be ok. Good luck!
Message 3 of 6
Moderator Emeritus

Re: Can I get 0% APR for first 6 months with FICO of 648/644/661?

I am guessing it is an engagement ring.  Good luck!
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Bartender, bring another round of FICOtinis please!

9.4.2011: TU 805. EQ 815.
Message 4 of 6
Valued Member

Re: Can I get 0% APR for first 6 months with FICO of 648/644/661?

Got approved w/ no interest financing! And yes, it's a ring.
Message 5 of 6
Highlighted
Moderator Emeritus

Re: Can I get 0% APR for first 6 months with FICO of 648/644/661?

Congrats!
Message 6 of 6