Recommendations for a 0% Intro Offer?

[Anonymous]

I am looking for a new credit card with a 0% intro APR offer, as I am getting ready to move and need to make several large purchases. Here are the current accounts I have, their limits, and their status (in order of age):

Regions Student Card: Closed, Opened March 2013

Discover IT: Open, $5200 limit, Opened January 2015

BankAmericard Cash Back: Open, $3500 limit, Opened July 2015

Amazon Store Card: Closed (lost card), Opened February 2016

Amazon Store Card: Open, $3400 limit, Opened February 2016

Chase Freedom: Open, $3500 limit, Opened March 2016

Furniture Marketing Group: Open, $4500 limit, Opened May 2016

Chase Sapphire Preferred: Open, $5000 limit, Opened July 2016 (just downgraded to Sapphire to avoid annual fee)

CarMax Auto Loan: Open, ~$14000 balance, Opened October 2016

Citi Simplicity: Open, $1800 limit, Opened November 2016

Upstart Personal Loan: Open, ~$11000 balance, Opened March 2017 (had some struggles where lost my job and no support from parents, so had to consolidate debt)

AMEX Gold Rewards Premiere: Open, Opened March 2017

AMEX Every Day: Open, $1400 limit, Opened April 2017

My total limit is $28,300, average age about 14 months, and utilization is about 2%. My FICO scores range from 680 to 700. I currently make about $105,000 per year. Never been late on any payments or any derogatory marks.

I intend to apply for this card around mid-May, so keep that in mind (as I've had several new accounts added this past month).

Any advice?

[medicgrrl]

Have you checked any of your newer cards to see if they are still under a 0% on new purchases?  

[Anonymous]

Yes. The Chase Freedom expires in June and the Citi Simplicity hs a balance too low for me to really take advantage of it. I'm trying to keep all the spending to one card.

[Anonymous]

Diamond preferred comes to mind. Good luck. 

[Anonymous]

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@Anonymous wrote:

I am looking for a new credit card with a 0% intro APR offer, as I am getting ready to move and need to make several large purchases. Here are the current accounts I have, their limits, and their status (in order of age):

Regions Student Card: Closed, Opened March 2013

Discover IT: Open, $5200 limit, Opened January 2015

BankAmericard Cash Back: Open, $3500 limit, Opened July 2015

Amazon Store Card: Closed (lost card), Opened February 2016

Amazon Store Card: Open, $3400 limit, Opened February 2016

Chase Freedom: Open, $3500 limit, Opened March 2016

Furniture Marketing Group: Open, $4500 limit, Opened May 2016

Chase Sapphire Preferred: Open, $5000 limit, Opened July 2016 (just downgraded to Sapphire to avoid annual fee)

CarMax Auto Loan: Open, ~$14000 balance, Opened October 2016

Citi Simplicity: Open, $1800 limit, Opened November 2016

Upstart Personal Loan: Open, ~$11000 balance, Opened March 2017 (had some struggles where lost my job and no support from parents, so had to consolidate debt)

AMEX Gold Rewards Premiere: Open, Opened March 2017

AMEX Every Day: Open, $1400 limit, Opened April 2017

My total limit is $28,300, average age about 14 months, and utilization is about 2%. My FICO scores range from 680 to 700. I currently make about $105,000 per year. Never been late on any payments or any derogatory marks.

I intend to apply for this card around mid-May, so keep that in mind (as I've had several new accounts added this past month).

Any advice?

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What does your eligibility look like for CLI on any of your current cards...?? Maybe the 61 day 3xcli on  the everyday card in June...

[Anonymous]

I went with the CLI idea and just got my Chase Freedom card bumped up to $7500 (a $4000 increase!). I will be requesting a limit increase with Citi soon and I will do the AMEX everyday card on June 2 (61 days after application). 

I was mostly just interested to see which cards were good options if those limit increases were not approved.

[txtjjs]

Maybe check with Discover and see if they have a 0% offer for you?

*Edit: On your existing account. Not a new one.

[Anonymous]

Discover REFUSES to raise my credit limit or give me any kind of promotional APR. I have been with them since January of 2015 and never been late or carried a balance higher than 30% utilization.

[Mattopotamus]

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@Anonymous wrote:

Diamond preferred comes to mind. Good luck. 

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this.  IIRC, it is 21 months of 0% 

[Anonymous]

and you think my odds for that are pretty good?