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New Contributor
PharmaStockman
Posts: 53
Registered: ‎03-31-2008
0

Looking for a high limit card with 0% initial apr

My wife and I want to get our first joint CC together to use towards furnishing and updating our new home. Ideally the card will have a CL of over $15k... Any suggestions as where to apply?

Our FICO's -- 780 and 766
Joint income -- $160k
Current revolving debt utilization - 3%
My highest limit card -- $27k Chase Sapphire Preferred
Hers -- $13k Discover More
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
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Re: Looking for a high limit card with 0% initial apr

Would you like a store card? Lowe's, and most GECRB cards will go that high and higher; they also have usual 0% financing offers.

Also, you could get an Amex BCE or BCP... This usually has 0% intro for 12 mos on purchases and GREAT rewards!!!!
Good luck!
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 $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Looking for a high limit card with 0% initial apr

Oh, also! I'd suggest maybe app'ing individually... See what the outcome is, then add whoever's card isn't higher/better as an AU to the better account!
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 $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
New Contributor
PharmaStockman
Posts: 53
Registered: ‎03-31-2008
0

Re: Looking for a high limit card with 0% initial apr

Thanks for the reply!! I do have the AMEX BCP card already :smileyhappy:  I guess I should've saved some good ones. lol  

New Contributor
PharmaStockman
Posts: 53
Registered: ‎03-31-2008
0

Re: Looking for a high limit card with 0% initial apr

Do you know if the Lowes card is a VISA or MC?

Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Looking for a high limit card with 0% initial apr

Haha yw! Well, maybe your due for a cli on BCP, assuming you don't have that $15k you wanted lol!

The lowe's card is a store account.... There used to be a lowe's visa, but it hasnt been advertised for years... I don't believe it is possible to open one.
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 $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Looking for a high limit card with 0% initial apr

You're*
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 $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
New Contributor
PharmaStockman
Posts: 53
Registered: ‎03-31-2008
0

Re: Looking for a high limit card with 0% initial apr

Yeah, my CL on the BCP card is $13k but of course my 0% promotional APR is long gone :smileysad:

 

Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Looking for a high limit card with 0% initial apr

Ahh that's no good!! Haha well, Citi Diamond Preferred has 18 mos 0%, but I can't truly recommend a card like that. Lowe's also has 84 mos at 5.99% I think too! Rooms to go granted my friend, who makes about $300k a year, an initial $12k approval. I like GE accts though bc you can pretty much call GE Credit Solutions and get whatever limit you want. So if the $15k limit is your priority, you may check into furniture stores/Lowe's to see what they offer.
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 $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
New Contributor
PharmaStockman
Posts: 53
Registered: ‎03-31-2008
0

Re: Looking for a high limit card with 0% initial apr

Great advice!! Thanks!


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