topic Looking for a new card with 0% in Credit Card Applications

Looking for a new card with 0%

NoMoreE46 — Fri, 10 Mar 2023 13:33:38 GMT

Looking for Visa or MC credit card suggestions with 0% in purchases for 15 months or longer. The purchase will be for a new ac system (~ $12,000).

We have the cash but prefer to do it on a card/get a SUB from this.

WF or C1 are off the table due to my current exposure with those Issuers.

AF cards are okay.

Fico scores are > 750

Utility < 6%

3/24

Thanks

Re: Looking for a new card with 0%

JoeRockhead — Fri, 10 Mar 2023 13:58:51 GMT

Pretty sure BoA still has at least one card with 21 months 0%, might have another with 15 months 0%... Also your heating and air people may have a 0% financing option as well, but of course no SUB with that. My condolences as we had to replace ours this past fall.

Re: Looking for a new card with 0%

SUPERSQUID — Fri, 10 Mar 2023 13:59:37 GMT

The only card I can think of that is a 15 monther like clockwork on new cards is Discover, ymmv

Re: Looking for a new card with 0%

MySunrise271 — Tue, 14 Mar 2023 15:51:26 GMT

Check out Regions Bank, their Life Visa has a 0% offer I think on the website it's 15 months 🤔 I received a targeted offer for 21 months at the end of January.

I replaced mine in Aug of 2021 with a 24-month 0% promotion on my Lowes Advantage card. I just made the last payment in February.

Re: Looking for a new card with 0%

Creditwiser — Fri, 10 Mar 2023 15:11:27 GMT

https://www.nerdwallet.com/m/credit-cards/excellent-low-interest-credit-cards?bucket_id=lp1&gclid=Cj0KCQiAx6ugBhCcARIsAGNmMbi5taBbcO6j0SvNR22hNb4pQcBmGEgcRW5H99nvfrOJqwavLGqmpPwaAvmWEALw_wcB&gclsrc=aw.ds&mktg_body=1663&mktg_hline=12875&mktg_img=3597&mktg_place=5&model_execution_id=5CE05587-09A1-4A05-BA90-430F52235975&nw_campaign_id=150238326535468600&utm_campaign=cc_mktg_paid_080119_branda&utm_content=ta&utm_medium=cpc&utm_source=goog&utm_term=nerdwallet+best+0+apr+credit+card#lowInterest&gclsrc=aw.ds&ds_rl=1246084&ds_rl=1251954

Re: Looking for a new card with 0%

Roisin — Fri, 10 Mar 2023 23:24:50 GMT

We replaced THREE air-handlers last year. Two died, the third was well past it's life expectancy. Of course, this happened after we replaced a well pump that died, as well as a water filtering system, plus some appliances, and more ... Anyway, I don't know how far along you are in your replacement/shopping process, however, after shopping around -- quotes for replacement/labor/financing were wildly different for us -- the best deal we found was financing through the company that actually replaced the units. After paying a little out-of-pocket, we ended up purchasing the units and installation via 60-month, 0% interest payments through a WF CC that was "only" available through the HVAC company, specifically for the purchases we made.

Re: Looking for a new card with 0%

Gmood1 — Sat, 11 Mar 2023 22:50:23 GMT

The Chase Freedom and Citi Custom Cash both have 15 months 0% promotions.

US bank has several CCs with the 15 months promotions.

The US Bank Cash + is one of my favorites!

Re: Looking for a new card with 0%

NoMoreE46 — Mon, 13 Mar 2023 01:07:28 GMT

Thanks for you sharing your experience @Roisin.

A friend had the same 0% WF special financing for their AC as well. I am not sure that I will qualify so this thread is to shop around so speak.

Appreciate everyone from the community with all of the helpful suggestions!

Re: Looking for a new card with 0%

Roisin — Mon, 13 Mar 2023 18:25:51 GMT

@NoMoreE46, I get it. I thought perhaps "special financing" though the HVAC company might see you clear of any earlier issues with WF. Regardless, I hope you find something that works for you.

Re: Looking for a new card with 0%

TRC_WA — Mon, 13 Mar 2023 22:56:25 GMT

@Roisin wrote:
We replaced THREE air-handlers last year.

@Roisin

Yeah I must say that after spending 30+ years in GA/FL prior to moving to the left coast in 2011 I don't miss the 24/7 AC usage for 9 months out of the year... walking out the door at 5am and instantly sweating... etc... etc...

Most houses here in western WA don't even have AC including mine. I do have a portable unit though just in case we catch a mid 80's heatwave.

Re: Looking for a new card with 0%

Absolution16 — Tue, 14 Mar 2023 03:03:13 GMT

I am also in the hunt for one of these, with the added condition of "No-FTF."

I looked at CapitalOne, but their pre-qualification tool only spits out ones for "good credit." I haven't been putting enough spend on my QS and my recent CLI request, just for the heck of it, was denied a couple of weeks ago. Maybe that has something to do with this?

I am also considering long-term viability of any cards I open, as I don't want them to become completely useless once the promo period expires.

I applied for WF Reflect and BoA BankAmericard, but both of them are in the "identity verification" hell, as I had described in the thread linked below. At this point, I think no matter which bank/CU I apply with, I am gonna have to go through the same ordeal all over.

https://ficoforums.myfico.com/t5/Credit-Card-Applications/WF-Reflect-Denial-gt-BofA-BankAmericard-Approval-gt-BofA-Change/td-p/6654079

Re: Looking for a new card with 0%

Beefy1212 — Tue, 14 Mar 2023 03:15:51 GMT

@TRC_WA wrote:
@Roisin wrote:
We replaced THREE air-handlers last year.
@Roisin

Yeah I must say that after spending 30+ years in GA/FL prior to moving to the left coast in 2011 I don't miss the 24/7 AC usage for 9 months out of the year... walking out the door at 5am and instantly sweating... etc... etc...

Most houses here in western WA don't even have AC including mine. I do have a portable unit though just in case we catch a mid 80's heatwave.

First time I went to DC it was 98 degrees with 98% humidity at 3am, I was like yea no... never living here. I will take my Bay Area "heat waves" anyday.

Re: Looking for a new card with 0%

OmarGB9 — Tue, 14 Mar 2023 06:02:21 GMT

I know you're a member of Penfed already, but I'm unfamiliar with your current line up with them; I was going to suggest the PF Gold Card. 15 months, 0% APR for new purchases as well as BTs, but no SUB though.

Re: Looking for a new card with 0%

ptatohed — Tue, 14 Mar 2023 19:45:01 GMT

You might consider a no balance transfer fee card in addition to 0% APR. There are a few but they are usually shorter terms like 0%APR for 12 months. I think Union Bank's Platinum was $0 BT fee and 0% APR for 15 months not long ago. Not sure if it still is.

Re: Looking for a new card with 0%

NoMoreE46 — Wed, 15 Mar 2023 13:04:07 GMT

My current total exposure with WF is what I am thinking will be the issue.

@Roisin wrote:
@NoMoreE46, I get it. I thought perhaps "special financing" though the HVAC company might see you clear of any earlier issues with WF. Regardless, I hope you find something that works for you.

Re: Looking for a new card with 0%

NoMoreE46 — Wed, 15 Mar 2023 13:05:13 GMT

Appreciate your suggestion @OmarGB9.

Re: Looking for a new card with 0%

NoMoreE46 — Wed, 15 Mar 2023 13:55:44 GMT

In Florida so wholehouse AC really is a must. I used to live in Massachusetts where I didn't even have window units.

I made the tourist mistake of not bringing a jacket when visiting SF in July.

@Beefy1212 wrote:
@TRC_WA wrote:
@Roisin wrote:
We replaced THREE air-handlers last year.
@Roisin

Yeah I must say that after spending 30+ years in GA/FL prior to moving to the left coast in 2011 I don't miss the 24/7 AC usage for 9 months out of the year... walking out the door at 5am and instantly sweating... etc... etc...

Most houses here in western WA don't even have AC including mine. I do have a portable unit though just in case we catch a mid 80's heatwave.
First time I went to DC it was 98 degrees with 98% humidity at 3am, I was like yea no... never living here. I will take my Bay Area "heat waves" anyday.

Re: Looking for a new card with 0%

NoMoreE46 — Wed, 15 Mar 2023 17:09:21 GMT

I got a BofA card (Bank Americard) with that 21 months- thanks @JoeRockhead !

@JoeRockhead wrote:
Pretty sure BoA still has at least one card with 21 months 0%, might have another with 15 months 0%... Also your heating and air people may have a 0% financing option as well, but of course no SUB with that. My condolences as we had to replace ours this past fall.

Re: Looking for a new card with 0%

KH-Underbat — Tue, 04 Apr 2023 02:53:15 GMT

As the OP has indicated confirmed approval, this thread is now locked and closed to additional messages. Congratulations!