06-15-2010 08:04 AM
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.
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
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
06-15-2010 11:55 AM
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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