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webhopper
Posts: 7,230
Registered: ‎09-16-2011

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

If 0 percent interest is important, check out chase freedom or some of the citi card offerings. They don't pull experian though, to my knowledge.

Starting Score: 08/29/2011 TU 671 EQ 674
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daybreakgonesXe
Posts: 1,625
Registered: ‎11-17-2012

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


webhopper wrote:
If 0 percent interest is important, check out chase freedom or some of the citi card offerings. They don't pull experian though, to my knowledge.

Chase in the north NJ area actually pulls experian...I haven't checked my experian lately to see if they definitely hit it for my Sapphire (though i assume so since my Transunion and Equifax is clean) but they definitely did for my Freedom!

 

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $7k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k

EQ FICO 737 TU FICO 746 Credit Karma (TU) 777 Transrisk 807/990 Credit Sesame (EX) 762 Credit.com (EX) 763 VantageScore 3.0 751
Valued Contributor
kevinjjc
Posts: 1,296
Registered: ‎01-14-2009

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

Chase pulls Experian in the NYC area. If you have a security freeze on your Experian, it's possible to get them to pull Equifax or Transunion.

Valued Contributor
Epcot
Posts: 2,777
Registered: ‎10-10-2012

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

I'm in FL and Chase pulled EX last week when I applied with them.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
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Cdnewmanpac
Posts: 767
Registered: ‎01-16-2012

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

Both Citi and Chase (and Amex, for that matter) have always pulled Experian for me in Colorado. Citi TY preferred and Forward both offer 0 APR for 12 mos. If you want to skip rewards, Citi Simplicity and Diamond Pref both offer 0 interest for 18 mos. Chase Freedom is 0 APR for 15 months, then rotating rewards categories. Or, if willing to skip rewards, Chase Slate is also 15 mos 0 APR. The key is that different banks pull different reports in different geographic areas, so you need to figure out who pulls what in your specific area.

In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
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youngandcreditwrthy
Posts: 6,137
Registered: ‎08-16-2012

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

Chase pulled Eq&exp in Tx for Freedom!
Discover pulled eq.
Amex pulled all threee. I got a Motiva with 15 mos 0% on bts and prchases, same w Chase Freedom. Aaaaannnddd I got Amex BCE 12 mos 0% only on purchases. Amex doesnt seem to offer bt offers any more.
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 | Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
youngandcreditwrthy
Posts: 6,137
Registered: ‎08-16-2012

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

Pretty sure BOA pulls Exp exclusively in my area, as well as Citi.. In Texas that is.
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 | Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
LTomBerry
Posts: 398
Registered: ‎08-02-2011

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


youngandcreditwrthy wrote:
Pretty sure BOA pulls Exp exclusively in my area, as well as Citi.. In Texas that is.

+1

I have a BofA card 0% for 12 months, they pulled EX. They have various rewards cards, you should be able to find one that suits you.

If you need to transfer a balance, Chase Slate is the way to go, 0 BT fee, 0% for 15m, but I'm not sure what CR they'll pull.

 


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