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Established Contributor
Posts: 951
Registered: ‎05-27-2009
0

Need Advice on CC Product

Hey everyone,

 

My wife or I would like to pickup a new CC with 0% interest. We just purchased a new home and are going to have some items to purchase. Our question is, should she apply alone, or joint, and what card do you all recommend for 0% interest that isn't TOO hard to obtain.

 

My Profile:

EXP/EQ/TU (all FICO, just pulled for mortg.) - 719/709/689 (tu'04)

AAoA - 5 years

Current Util: 50%

Largest Trade Line - $9,500 (Chase Freedom) - AMEX Blue $6,400

 

Wife's:

EXP/EQ/TU (all FICO) - 760/741/742 (tu'04)

AAoA - 3 years

Current Util: 12%

Largest Trade Line - $6,000 home depot, AU on my AMEX $6,400

 

Thanks!

 

 


Starting Score: 627 EQ, 621 TU - 11/15/08
Current Score: 778 EQ, 781 TU, 778 EXP 07/20/12 Lender Pull
Goal Score: 800 EQ & TU


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Established Contributor
Posts: 951
Registered: ‎05-27-2009
0

Re: Need Advice on CC Product

Bump!


Starting Score: 627 EQ, 621 TU - 11/15/08
Current Score: 778 EQ, 781 TU, 778 EXP 07/20/12 Lender Pull
Goal Score: 800 EQ & TU


Take the FICO Fitness Challenge
Regular Contributor
Posts: 114
Registered: ‎03-12-2009
0

Re: Need Advice on CC Product

Personally, I can't reccomend Penfed enough.  They gave me a good limit, and their credit products are great.  I think they will give you a good 0% off the bat, but you'd have to check. www.penfed.org   You have to become a member though.

 

If you should apply joint or not, I really couldn't speak to that.

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