topic Re: Credit Card with 0% for 15 or 18 months 684 score in Credit Card Applications

Credit Card with 0% for 15 or 18 months 684 score

Anonymous — Sun, 21 Jul 2019 23:41:42 GMT

Currently my score according to Cap One Creditwise and Credit Karma is 721, Discover Scorecard 699, and a recent (couple days ago) inquiry from my credit union showing a score 684. I'm looking for a card with a 0% intro APR to charge my fall tuition to ($2000). My current cards are Capital One Quicksilver $2500 CL, TJX in-store only card through Synchrony $2200 CL, and Citizens Bank Credit Card with $5500 limit. I could put it on my Citizens card but would put my utilization up high. Combined income with my husband is around 50-55k. Any suggestions on cards to apply for? I'm not eligible for federal aid for this semester which includes federal student loans, and the private lenders do not do student loans for community colleges, hence looking for a card with 0% for a decent amount of time.

Re: Credit Card with 0% for 15 or 18 months 684 score

mrfufoppss — Mon, 22 Jul 2019 00:06:00 GMT

try the Chase Freedom Unlimited or the Citi Double Cash maybe

Re: Credit Card with 0% for 15 or 18 months 684 score

Anonymous — Mon, 22 Jul 2019 00:43:25 GMT

I would check Capital One prequal and choose travel and see if the regular Venture pops up. If it does, you have a pretty decent shot at a $5K or higher limit since the Venture has a $5K minimum and you can shoot for the SavorOne which has 0% for 15. I would actually pull all of your FICO scores first though. If you download the Experian app, you can get a free trial of CreditWorks Premium which will show you all three bureau's scores. If you're above 680 on each bureau and you don't have recent (younger than 3 years) late payments on your reports and you have a prequal, your chance of approval is very high.

Discover is another option for 0% for 14 months but they can be a bit of a wildcard with limits.

I would probably avoid getting a Chase or AMEX card to toss a balance on and carry it long term. Neither Disco or Capital One seem to mind a revolving balance which makes them excellent choices.

Re: Credit Card with 0% for 15 or 18 months 684 score

CreditInspired — Mon, 22 Jul 2019 13:26:00 GMT

@Anonymous wrote:
Currently my score according to Cap One Creditwise and Credit Karma is 721, Discover Scorecard 699, and a recent (couple days ago) inquiry from my credit union showing a score 684. I'm looking for a card with a 0% intro APR to charge my fall tuition to ($2000). My current cards are Capital One Quicksilver $2500 CL, TJX in-store only card through Synchrony $2200 CL, and Citizens Bank Credit Card with $5500 limit. I could put it on my Citizens card but would put my utilization up high. Combined income with my husband is around 50-55k. Any suggestions on cards to apply for? I'm not eligible for federal aid for this semester which includes federal student loans, and the private lenders do not do student loans for community colleges, hence looking for a card with 0% for a decent amount of time.

Hi and welcome to MyFICO

Just 2 questions: when were these cards opened and what is your UT (aggregate and on individual cards)?

Re: Credit Card with 0% for 15 or 18 months 684 score

Anonymous — Mon, 22 Jul 2019 14:56:47 GMT

Cap One was Feb 2016 as a secured card, upgraded to Quicksilver maybe same year or next year. TJX Sept 2016. Citizens was end of last year maybe Dec 2018 but was offered as I was making a deposit, the teller said would not cause a hard pull and no inquiry showed up for it. Total UT is 23% TJX is almost paid off as I intend to keep it open but not use it as often maybe a $150 balance/2200, Cap One is highest with 1100/2500, and Citizens is about 900/5500

Re: Credit Card with 0% for 15 or 18 months 684 score

Anonymous — Mon, 22 Jul 2019 14:58:32 GMT

Also I have about $5000 left on my car loan and I have student loans (deferred since I'm in school) maybe around 8k? I spent a while deciding what I wanted to go to school for unfortunately. Don't push kids to go to college when they have no idea what they want to go for.

Re: Credit Card with 0% for 15 or 18 months 684 score

AverageJoesCredit — Mon, 22 Jul 2019 15:13:31 GMT

Discover or Amex

Re: Credit Card with 0% for 15 or 18 months 684 score

JR_TX — Mon, 22 Jul 2019 15:19:52 GMT

Citi Simplicity Card has the longest 0% BT offer at 21 months and 12 months for purchases. The fee though at 5% is probably the highest out there. Keep in mind also that this card has always been reported here as NOT eligible for PC (product change) to other citi cards.

Next on that is the BoA BankAmericard at 18 months with only 3% fee.

The rest of other cards range from 12-15 months BT offer.

I recommend a card that has at least 12 months BT offer and will be of really great use to you in terms of your spending in relation to card rewards and benefits after the BT period.

Re: Credit Card with 0% for 15 or 18 months 684 score

Anonymous — Mon, 22 Jul 2019 15:32:51 GMT

Venture I think did come up in my prequel offers yesterday. I do receive frequent offers for the Savor One card and the only reason I hesitate is because my QS started as a secured card with a $500 limit and the limit has taken so long just to get to 2500 limit. But I may give it a shot

Re: Credit Card with 0% for 15 or 18 months 684 score

Anonymous — Mon, 22 Jul 2019 16:00:22 GMT

@Anonymous wrote:
Venture I think did come up in my prequel offers yesterday. I do receive frequent offers for the Savor One card and the only reason I hesitate is because my QS started as a secured card with a $500 limit and the limit has taken so long just to get to 2500 limit. But I may give it a shot

The fact that Capital One boosted a secured card to $2500 tells me that you would likely be very successful.

My QS started life as a $300 unsecured Plat and is now an $8250 QS and they approved me for a $10K SavorOne last month despite low income ($18K) and all the credit seeking I have done in the last 24 months (every card in my signature is less than 2 years old except for the QS which is close to 5 1/2). Capital One rewards loyalty. The only thing that gives me a bit of pause is the balance you're carrying on your current card but Capital One isn't really known for caring about making money off of interest either so that might even work in your favor. If you have the prequal, it's definitely an excellent option and your profile is right where Capital One and Disco both like it to be.

Re: Credit Card with 0% for 15 or 18 months 684 score

Anonymous — Mon, 22 Jul 2019 16:51:19 GMT

I did just try SavorOne. Application is pending, so I'm not hopeful.

Re: Credit Card with 0% for 15 or 18 months 684 score

Anonymous — Mon, 22 Jul 2019 17:03:55 GMT

@Anonymous wrote:
I did just try SavorOne. Application is pending, so I'm not hopeful.

Capital One likes to deny up front quite a bit so I would take pending as a better chance than most.

You can check Disco too - Disco prequals are usually pretty solid. Totally up to you.

Re: Credit Card with 0% for 15 or 18 months 684 score

SFLSpotter9210 — Mon, 22 Jul 2019 18:00:32 GMT

Check BB&T bank. It’s a SP if you prequalified on the site I got 2 so far with both being SP. Good luck.

Re: Credit Card with 0% for 15 or 18 months 684 score

Anonymous — Mon, 22 Jul 2019 19:08:30 GMT

Bit the bullet and applied for Discover it. Approved! $4000 CL. I wanted to try Bank Americard but many were saying they generally like excellent credit. Thank you all!

Re: Credit Card with 0% for 15 or 18 months 684 score

Anonymous — Mon, 22 Jul 2019 19:09:51 GMT

@Anonymous wrote:
Bit the bullet and applied for Discover it. Approved! $4000 CL. I wanted to try Bank Americard but many were saying they generally like excellent credit. Thank you all!

Congrats!

Let us know what happens with Capital One. You may end up with both in the end.

Re: Credit Card with 0% for 15 or 18 months 684 score

FinStar — Mon, 22 Jul 2019 20:42:34 GMT

Congrats on the approval @Anonymous.

Locking this thread as you have been approved. Feel free to start a new approval thread in the Approvals forum if you would like to do so.