topic Re: 0% intro card? in Credit Cards

0% intro card?

IodineNightSky — Tue, 30 Jul 2019 01:16:33 GMT

My wife’s disco 0% period is expiring and she wants a new 0% to BT. Scores are in 720-730 range. She burned chase and citi sons ago and they haven’t forgotten. I suspect she can get most other cards.

Anyone have a suggestion for a card with a 0% intro offer that works w BTs?

Re: 0% intro card?

APL247 — Tue, 30 Jul 2019 01:30:53 GMT

HSBC Gold Mastercard

18 months Intro on purchase and balance transfers

Amex everyday

15 months Intro on purchase and balance transfers

Re: 0% intro card?

woodyman100 — Tue, 30 Jul 2019 01:40:11 GMT

App for a second Discover card. You can have multiple

Now if you are trying to shuffle debt that’s on the discover you currently have, you’ll have to move it elsewhere first.

Can you join NFCU?

Re: 0% intro card?

creditfan — Tue, 30 Jul 2019 01:47:40 GMT

bank of america

15 months

Re: 0% intro card?

wasCB14 — Tue, 30 Jul 2019 03:18:31 GMT

@APL247 wrote:
HSBC Gold Mastercard

18 months Intro on purchase and balance transfers

Amex everyday

15 months Intro on purchase and balance transfers

I think Amex has a $5k limit on BTs...not sure how large a balance we're talking about.

Re: 0% intro card?

Anonymous — Tue, 30 Jul 2019 10:48:19 GMT

@woodyman100 wrote:
App for a second Discover card. You can have multiple
Now if you are trying to shuffle debt that’s on the discover you currently have, you’ll have to move it elsewhere first.
Can you join NFCU?

+1!

This is exactly what I did recently. You just have to have had your disco for a year before you can get approved for another one. If you go for another disco, make sure you get the one that is offering 0% for 18 months with 3% fee. It’s hard to find it on their site but you can google around for the offer and it’ll come up. I found the offer through nerd wallet which then allows you to apply directly from discover.

Also if you need to move debt from Discover, you will need a card to park the debt on temporarily. If you have a cap 1 they offer no transfer fee BTs at your regular apr.

US Bank Platinum also offers 0% for 18 months as well.

Re: 0% intro card?

Anonymous — Tue, 30 Jul 2019 18:06:38 GMT

@woodyman100 wrote:
App for a second Discover card. You can have multiple
Now if you are trying to shuffle debt that’s on the discover you currently have, you’ll have to move it elsewhere first.
Can you join NFCU?

NFCU has a 0% intro offer? Which card?

Re: 0% intro card?

Anonymous — Tue, 30 Jul 2019 18:14:14 GMT

@Anonymous wrote:
@woodyman100 wrote:
App for a second Discover card. You can have multiple
Now if you are trying to shuffle debt that’s on the discover you currently have, you’ll have to move it elsewhere first.
Can you join NFCU?
NFCU has a 0% intro offer? Which card?

Platinum 0% and $0 fee for BTs for 12 months but no intro purchase APR so it’s a transfer and SD until paid card. Still a steal with the $0 fee.

Re: 0% intro card?

Anonymous — Tue, 30 Jul 2019 18:58:32 GMT

@Anonymous wrote:
@Anonymous wrote:
@woodyman100 wrote:
App for a second Discover card. You can have multiple
Now if you are trying to shuffle debt that’s on the discover you currently have, you’ll have to move it elsewhere first.
Can you join NFCU?
NFCU has a 0% intro offer? Which card?
Platinum 0% and $0 fee for BTs for 12 months but no intro purchase APR so it’s a transfer and SD until paid card. Still a steal with the $0 fee.

So it must be a Balance Transfer for the 0% to be activated? No new purchases?

Re: 0% intro card?

Anonymous — Tue, 30 Jul 2019 19:40:51 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@woodyman100 wrote:
App for a second Discover card. You can have multiple
Now if you are trying to shuffle debt that’s on the discover you currently have, you’ll have to move it elsewhere first.
Can you join NFCU?
NFCU has a 0% intro offer? Which card?
Platinum 0% and $0 fee for BTs for 12 months but no intro purchase APR so it’s a transfer and SD until paid card. Still a steal with the $0 fee.
So it must be a Balance Transfer for the 0% to be activated? No new purchases?

Correct. Making new purchases on the card will be at regular full APR. More Rewards has 6 months at 1.99% on purchases only but none of their cards have a 0% intro purchase APR.