topic Re: Good 0% Cards? in Credit Cards

Good 0% Cards?

pinkandgrey — Tue, 19 Feb 2019 03:13:19 GMT

So I’m going to be making some decent-sized purchases in the semi-near future and I may (or may not) want to try out a card with a long intro period apr. What cards are good for such things and also have a good chance of giving me a decent SL? Chase is out as I’m sure you guessed.
 
If I do this, it wouldn’t be right away, but not so distant-future that I’d have a bunch of inqs falling off. 
 
DPs:
FICOs all in the low 700s
Reported income around 35k
Inqs between 5-10 depending on bureau, several in last six months 
AAoA around a year, AoYA a month
No negatives ever 
 
 
Like I said, I might not do anything at all, because I don’t want another card if it’s going to mean a toy limit. The card doesn’t have to have rewards- - I just want a long intro 0%
 
Suggestions/advice?
Thanks! 

EDIT: I talked to Discover and they gave me 0% for a year on my It card, so I certainly don’t need anything new! Thanks, everybody!

Re: Good 0% Cards?

Anonymous — Tue, 19 Feb 2019 00:14:42 GMT

This may be a semi unpopular oppinion.

Please do not jump into the fire with these 0% cards. You do not want to be stuck in the endless loop of xfer > xfer > xfer. You will eventually hit the wall.

If you have cash in the bank, and want to get 0% for cashflow purposes by all means. Please Have Cash In The Bank, rainy days come when it is most inconvenient.

Just my 2¢

Re: Good 0% Cards?

Anonymous — Tue, 19 Feb 2019 00:16:31 GMT

Cap1 Savor One. This is actually the card I’ll get if I have a large purchase I need to finance unless I ask Disco for another 0% period for said purchase.

Re: Good 0% Cards?

pinkandgrey — Tue, 19 Feb 2019 00:24:36 GMT

@Anonymous wrote:
This may be a semi unpopular oppinion.
Please do not jump into the fire with these 0% cards. You do not want to be stuck in the endless loop of xfer > xfer > xfer. You will eventually hit the wall.
If you have cash in the bank, and want to get 0% for cashflow purposes by all means. Please Have Cash In The Bank, rainy days come when it is most inconvenient.

Just my 2¢

Good advice to be sure. Don’t worry: this isn’t being done out of desperation. All my cards are well below 9% utilization and I’m not even planning any BTs. But thanks for the concern!

Re: Good 0% Cards?

Jnbmom — Tue, 19 Feb 2019 00:24:45 GMT

My DH just picked up the PNC core visa card 0% for 15 months. I actually found it on CK believe it or not lol, as I had never heard of them.

Re: Good 0% Cards?

pinkandgrey — Tue, 19 Feb 2019 00:26:19 GMT

@Anonymous wrote:
Cap1 Savor One. This is actually the card I’ll get if I have a large purchase I need to finance unless I ask Disco for another 0% period for said purchase.

Ah, that’s one that I do kind of want. I don’t know if I could get it though. Cap One seems to have tightened up a bit and I have a lot of inquiries. I guess my thought was that cards with no rewards would be easier approvals LOL

Re: Good 0% Cards?

Anonymous — Tue, 19 Feb 2019 00:26:45 GMT

If your Disco has some age they will likely give you 12 months 0 interest on purchases and save you the new tradeline...

Re: Good 0% Cards?

Anonymous — Tue, 19 Feb 2019 00:28:42 GMT

@pinkandgrey wrote:
@Anonymous wrote:
Cap1 Savor One. This is actually the card I’ll get if I have a large purchase I need to finance unless I ask Disco for another 0% period for said purchase.
Ah, that’s one that I do kind of want. I don’t know if I could get it though. Cap One seems to have tightened up a bit and I have a lot of inquiries. I guess my thought was that cards with no rewards would be easier approvals LOL

Savor One doesn’t seem to be as hard to get as Savor and I believe you would be a prime candidate for either of them with your cards and limits, unfortunately the Savor doesn’t have an intro APR.

Re: Good 0% Cards?

pinkandgrey — Tue, 19 Feb 2019 00:28:55 GMT

@Jnbmom wrote:
My DH just picked up the PNC core visa card 0% for 15 months. I actually found it on CK believe it or not lol, as I had never heard of them.

I’ve heard a little about them-their cash rewards card looks awesome- but aren’t they a little conservative? See above inquiries lol

Re: Good 0% Cards?

Anonymous — Tue, 19 Feb 2019 00:30:44 GMT

What are all of your inquiries for? Are they all cards?

Re: Good 0% Cards?

pinkandgrey — Tue, 19 Feb 2019 00:30:48 GMT

@Anonymous wrote:
Savor One doesn’t seem to be as hard to get as Savor and I believe you would be a prime candidate for either of them with your cards and limits, unfortunately the Savor doesn’t have an intro APR.

I always worry, though, when cards don’t show up in prequal. Cap One may not want me right now-the only prequals showing are the Plat and the QS1

Re: Good 0% Cards?

Jnbmom — Tue, 19 Feb 2019 00:31:14 GMT

Yes that's what I heard but DH had about 20 inquiries when he was approved which surprised me, they pulled EXP only.

Re: Good 0% Cards?

pinkandgrey — Tue, 19 Feb 2019 00:31:22 GMT

@Anonymous wrote:
What are all of your inquiries for? Are they all cards?

Some are for new apps, some are for CLIs

Re: Good 0% Cards?

Anonymous — Tue, 19 Feb 2019 00:32:23 GMT

@pinkandgrey wrote:
@Anonymous wrote:
Savor One doesn’t seem to be as hard to get as Savor and I believe you would be a prime candidate for either of them with your cards and limits, unfortunately the Savor doesn’t have an intro APR.
I always worry, though, when cards don’t show up in prequal. Cap One may not want me right now-the only prequals showing are the Plat and the QS1

Yeah that’s all that shows up for me right now too. Savor used to pop there for me and then I added 4 cards in a month 🤣

Re: Good 0% Cards?

pinkandgrey — Tue, 19 Feb 2019 00:32:59 GMT

@Jnbmom wrote:
Yes that's what I heard but DH had about 20 inquiries when he was approved which surprised me, they pulled EXP only.

Wow. My EX is definitely the dirtiest at the moment, though. Probably an EQ puller would be best

Re: Good 0% Cards?

pinkandgrey — Tue, 19 Feb 2019 00:34:19 GMT

@Anonymous wrote:
If your Disco has some age they will likely give you 12 months 0 interest on purchases and save you the new tradeline...

That would be awesome. Do they really do that? My Disco is about 2 years old

Re: Good 0% Cards?

Anonymous — Tue, 19 Feb 2019 00:35:17 GMT

@pinkandgrey wrote:
@Anonymous wrote:
What are all of your inquiries for? Are they all cards?
Some are for new apps, some are for CLIs

Hmmm... I mean it might be worth just gardening for awhile but I would say with you only having 5 cards, you’re not screaming churner or anything. It probably makes some degree of difference if you have inquiries on there for companies you don’t have accounts with to show for them (so basically denials) versus inquiries from existing creditors.

Re: Good 0% Cards?

Anonymous — Tue, 19 Feb 2019 00:35:32 GMT

Citi Double Cash may be an option, would recommend gardening for a stretch though.

Your SL options will really open up!

Re: Good 0% Cards?

Anonymous — Tue, 19 Feb 2019 00:37:42 GMT

@pinkandgrey wrote:
@Anonymous wrote:
If your Disco has some age they will likely give you 12 months 0 interest on purchases and save you the new tradeline...
That would be awesome. Do they really do that? My Disco is about 2 years old

Yes you can ask every 6 months at full APR for a 0% period apparently and they’ll give it to you for a year.

Re: Good 0% Cards?

pinkandgrey — Tue, 19 Feb 2019 00:38:00 GMT

@Anonymous wrote:
Citi Double Cash may be an option, would recommend gardening for a stretch though.

Your SL options will really open up!

I already have the DC actually lol. Yes, I should garden for sure. I don’t really want another card to be honest. I want to build my relationship with my current ones, specifically the DC, because I use it for everything. But the 0% would be handy just for freeing up cash. Not a necessity though. Someone else suggested seeing if Disco would give me 0% for awhile. That would be ideal, but don’t know if they’ll actually do that?