Reply
New Member
hkgjohn
Posts: 5
Registered: ‎08-04-2010
0

I need a good 0% interest card, no annual fee that pulls Experian.

Any suggestions?

Valued Contributor
RyVision
Posts: 1,346
Registered: ‎04-15-2011
0

Re: I need a good 0% interest card, no annual fee that pulls Experian.

 

Only thing that comes to mind off hand is an AMEX Blue Revolver like "Blue" or  "Blue Cash Everyday" if they're running the 0% for 12 month promo, if you want to be sure they pull EX.

Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011
0

Re: I need a good 0% interest card, no annual fee that pulls Experian.

AMEX gold...pulls EX, AF waived the 1st year and since its a charge card it has 0% interest.

ccpics2.jpg
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: I need a good 0% interest card, no annual fee that pulls Experian.


hkgjohn wrote:

Any suggestions?


We may need some more information to be able to help you with appropriate suggestions...

 

What cards do you currently have?  what are the balances on those cards?

What are your current scores?

What's your current income?

What other features of a credit card most interest you?

 

Is there any other relevant information which would help us? 

 

Hopefully we can figure out something to help you!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Established Contributor
ccnewcc
Posts: 560
Registered: ‎09-29-2012
0

Re: I need a good 0% interest card, no annual fee that pulls Experian.


webhopper wrote:

hkgjohn wrote:

Any suggestions?


We may need some more information to be able to help you with appropriate suggestions...

 

What cards do you currently have?  what are the balances on those cards?

What are your current scores?

What's your current income?

What other features of a credit card most interest you?

 

Is there any other relevant information which would help us? 

 

Hopefully we can figure out something to help you!


+1 to all that.

 

 

But dare I assume based on your title?

 

Without knowing more info, i probably shouldn't assume.  But the title itself speaks volumes (sort of).  Dire need of 0%.  Preference to which CR is pulled.  Preference to 0 AF.

 

Based on your title alone, I'd be hard pressed to recommend new credit.

Senior Contributor
youngandcreditwrthy
Posts: 6,211
Registered: ‎08-16-2012
0

Re: I need a good 0% interest card, no annual fee that pulls Experian.

None of the cards listed are usable for bal xfers. Lol
Do you need a bal xfer?

You don't want to revolve a bal with Amex, ever. Period
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: I need a good 0% interest card, no annual fee that pulls Experian.

@ccnewcc

Its never a good idea to assume :smileyhappy: I have put my foot in my mouth more than once by doing that! Hopefully the OP will respong and I will be able to offer appropriate suggestions!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
New Member
hkgjohn
Posts: 5
Registered: ‎08-04-2010
0

Re: I need a good 0% interest card, no annual fee that pulls Experian.

 

29% Utliization. Largest line is $9000. Have about 5 open credit accounts.

 

EX FAKO: 769  EQ & TU FICOs both 765.

 

Current Income $85K

 

Points and Travel rewards interest me.

Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: I need a good 0% interest card, no annual fee that pulls Experian.

[ Edited ]

hkgjohn wrote:

 

29% Utliization. Largest line is $9000. Have about 5 open credit accounts.

 

EX FAKO: 769  EQ & TU FICOs both 765.

 

Current Income $85K

 

Points and Travel rewards interest me.


 

Hi! Based on your profile I recommend blue sky or Hilton hhonors card from American express. Also... if you want some options with an annual fee; chase sapphire preferred has great rewards. The Hilton card has a signup bonus going on so definately take a look. Hilton also owns Hampton inn... American express usually pulls experian so you should be good for approval. Good luck!

If possible pay your balances down to less than 9% of total utilization for best odds... amex doesn't like to see balances.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
New Contributor
Posts: 58
Registered: ‎01-10-2009
0

Re: I need a good 0% interest card, no annual fee that pulls Experian.


hkgjohn wrote:

 

29% Utliization. Largest line is $9000. Have about 5 open credit accounts.

 

EX FAKO: 769  EQ & TU FICOs both 765.

 

Current Income $85K

 

Points and Travel rewards interest me.


This isn't difficult is it? It is for this reason I advocate low APR cards. However, many dismiss the need for anything other than rewards or fashion cards, thinking 0 APR will be available whenever needed. When it's needed the most no lender wants to issue. The Experian limitation is the deal killer.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+