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Recommend a GOOD 0% Credit Card

Contributor

Recommend a GOOD 0% Credit Card

I'm looking for a card that will allow me to do a BT @ 0% for 15-24 months.

 

I have 0 inquiries over the last 2 years. Good income. My only baddies are (2) 30 day lates a bit over 2 years ago.

 

My FICO scores are as follows...

 

EQ - 728

TU - 732

EX - 750+ (various FAKO sources...)

 

Let me know if you have any questions that will help you provide a constructive response.

 

Thanks!

Message 1 of 10
9 REPLIES
Valued Contributor

Re: Recommend a GOOD 0% Credit Card

Need to know what cards you currently have.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 2 of 10
Regular Contributor

Re: Recommend a GOOD 0% Credit Card


poops wrote:

I'm looking for a card that will allow me to do a BT @ 0% for 15-24 months.

 

I have 0 inquiries over the last 2 years. Good income. My only baddies are (2) 30 day lates a bit over 2 years ago.

 

My FICO scores are as follows...

 

EQ - 728

TU - 732

EX - 750+ (various FAKO sources...)

 

Let me know if you have any questions that will help you provide a constructive response.

 

Thanks!


CITI has some good balance transfer promos going on right now... head on over to their website and you'll see all of there advertisements for balance transfers..

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit Smiley Happy
Message 3 of 10
Contributor

Re: Recommend a GOOD 0% Credit Card


Duncanrr wrote:
Need to know what cards you currently have.

Citi Driver's Edge - $20,100 limit ($13K balance)

Chase Freedom - $20,000 limit ($2k balance)

BR Visa - $7600 limit ($0 balance)

Credit Union Visa - $7,500 limit ($5K balance)

Sears Card - $4,600 limit ($0 balance)

Electronics Store Card - $4,300 limit ($1k balance)

 

I'm looking to transfer the Citi Driver's Edge and Credit Union balances to a single 0% card and pay it off within 12-18 months...

 

Also, related question... is it  possible to transfer a balance from one card to another from the same credit card issuer? For example, can I transfer a balance from one Citi card to another Citi card?

 

Message 4 of 10
Senior Contributor

Re: Recommend a GOOD 0% Credit Card

It's going to be difficult to get a starting limit to accomodate a BT for those balances...

however,

Barclay's does have several 0% offers for 15 months( Priceline Visa, etc.) and so does Chase (Slate/Freedom Visa)

 

Chase and Barlcay's are also good with recons & "matching limits"

 

so imo, you could try those, but it's a ymmv situation with the credit limits if you're trying to transfer that many of your balances over.

 

I would AVOID CITI... they have been rude to me any time I've called them, and I've NEVER spoken to an American rep ANY time I've called them.

 

Even if their BT offers are good.. they just seem quite surly.

 

Best of luck!

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 5 of 10
Senior Contributor

Re: Recommend a GOOD 0% Credit Card

OH! And most creditors will NOT let you xfer balances between accounts with the same creditor. However, if you have a BT check offer opportunity, you could deposit into your checking, then pay it off as they cannot control how you use "cash" depositied into your person checking....

 

 

You have great score btw!!! Smiley Happy

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 6 of 10
Established Contributor

Re: Recommend a GOOD 0% Credit Card

Why don't you try Discover. They usually have a good 0% transfer period. Also the Barclay Rewards card...I think it is about 15-18 months or so

 

Good luck!


BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($29,500) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($28,000)

Experian 746 Transunion 806-- July 2017
Message 7 of 10
Mega Contributor

Re: Recommend a GOOD 0% Credit Card

I agree with Barclays rewards, and is also recon for higher CL if they don't match your others.



EQ FICO 548 3/3/16
Message 8 of 10
Senior Contributor

Re: Recommend a GOOD 0% Credit Card

You might see if your chase freedom can do a 0% bt or pc it to a slate w a 0% for 15 mos w no bt fee.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 9 of 10
Contributor

Re: Recommend a GOOD 0% Credit Card

My citi Diamond preferred has an 18 month 0% for BT and balances! You also get concierge, not a bad card at all!

My ultimate credit wish,
a JP Morgan Palladium card
Message 10 of 10