How can I get more cards with 0% APR?

[vladrad]

How can I get more cards with 0% APR?

I have Chase Slate 1,5 year (until somewhere in 2015)  $3,200 and my wife has Chase Slate $5,000.
Also I got 0% APR on my bofa cash rewards for 2 years.

How do I get more 0% APR cards ? Is that even possible?

how much You guys have credit limit with 0% APR?

[hutchj]

You have to apply for them. 0% apr is an intro special when you app for a new card. But make sure the card says that they offer it when opening a new card.

[sailor_mercury]

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@vladrad wrote:

How can I get more cards with 0% APR?

I have Chase Slate 1,5 year (until somewhere in 2015)  $3,200 and my wife has Chase Slate $5,000.
Also I got 0% APR on my bofa cash rewards for 2 years.

How do I get more 0% APR cards ? Is that even possible?

how much You guys have credit limit with 0% APR?

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AMEX Costco TE has 6 months 0% (on purchases, I don't know if they offer it on BT).  I was approved for Slate last week and will transfer some balances there.

But I'm wondering there are only a handful of cards that offer 0% for 12+ months.  Why not wait until some of your current 0% offers expire to app for them?  I think living off of 0% credit could also be a slippery slope if you do not have the cash reserves to offset the balances.  It could be a good way it overspend what you make in any given time frame and then you are stuck with the nasty situation of digging yourself out of debt.  It's easier not to go in too deep to begin with.

[-Wade-]

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@hutchj wrote:

You have to apply for them. 0% apr is an intro special when you app for a new card. But make sure the card says that they offer it when opening a new card.

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+1 that's the only way you can get them. But also you have to have pretty good credit

[flowfaster]

I agree, multiple 0% cards at a time are a waste (unless they come with a huge limited time bonus). 

[clocktick]

Citibank has (had?) some good 0% offers.  I remember when I got mine it had 21 months 0%.  I don't think they're that long anymore but I think they're at least a year...worth a look, and they seem to be good with CLIs too.

[enharu]

Citibank allows you to have multiple cards of the same type, except for their AA cards. Hence, there's really not much to worry about 0% promos running out.

Chase may have new promos available for your Slate as well after the current promos run out. Just call them and ask for what's available then. There are also Discover, Bank of America, Barclays, CapitalOne, Amex, etc. that have cards with 0% promos.

Just avoid pyramiding debt or dragging debt perpetually though. Lenders may eventually catch onto it and will take AA.