topic Re: 0% APR options in Credit Cards

0% APR options

Sitori — Fri, 02 Dec 2022 23:08:37 GMT

Hello

Just bought a house and need some upgraded appliances and furniture. I really need a 0% apr intro hopefully 15+ months.

I would have done Best Buy but already have it so I don't get the 0% intro.
Anyone have any ideas that might get me approved for 5k plus with mid 600 scores?
I paid off 2 of my cards, one hasn't updated yet so that may push them to high 600s.

I was thinking about another cap1 but they had always given me low limits and took years to get one just to 4k. I just paid one of them off with them so wondering if they'd be nice and give me a decent limit if I were to call back door and ask.

Any suggestions?

Re: 0% APR options

ptatohed — Sat, 03 Dec 2022 00:00:20 GMT

How about trying for the 0% promotion at the appliance store and at the furniture store? We did that at Pacific Sales when we redid the appliances in our kitchen and at Mor when we refurnished the master bedroom. I forget the 0% promo periods but they were long!

Otherwise check out Union Bank. 0% for 15 months on BTs and purchases. No BT fee.

https://www.unionbank.com/personal/credit-cards/platinum-visa

Re: 0% APR options

dlister70 — Sat, 03 Dec 2022 00:57:54 GMT

Home Depot often has 0% for 24 months with their card if you spend over a certain amount. I think the last time it was for anything over $999, which shouldn't be hard to do if you're buying all new appliances.

A lot of furniture stores have 0% offers too, just be careful about paying it off on time.

Citi Custom Cash has 15 months 0% intro at the moment. Discover It also has 15 months. Between the two, I think that Discover has historically given higher limits. They gave me $10,000 when my score was like 699 or 701 I think, but that was in like 2017 so I don't know if that's a good data point right now.

Edit: Just noticed that you already have Discover. There's also Wells Fargo Reflect that has 18 months 0%. You might have to hunt around on the credit pulls data base to find what approvals are going for in your credit score range though.

Re: 0% APR options

MySunrise271 — Sat, 03 Dec 2022 01:45:02 GMT

Try the Lowes pre qualify tool. They are having 0% promotions on appliance and they can go from 6-12-24 months when you spend over a certain amount. Love my Lowes card😊

Re: 0% APR options

Duriel — Sat, 03 Dec 2022 03:22:40 GMT

That prequal always gives me a limit ending in $37. Awkward 😂. That looks like a good fit though.

Re: 0% APR options

Sitori — Sat, 03 Dec 2022 04:48:52 GMT

I'll check this out thanks

Re: 0% APR options

Sitori — Sat, 03 Dec 2022 04:50:57 GMT

Yes I wanted to try to get one card for everything and I need a lot of pool work done too. Maybe I'll try one of the lowes or Home Depot and one regular

Re: 0% APR options

9CLINE — Sun, 04 Dec 2022 02:41:05 GMT

Lowes goes up to 84mths @ 7.99% over $2,999 and BestBuy also runs 24 mths @0% for purchases over certain amounts, check with them.

jm2cw

Re: 0% APR options

Sitori — Sun, 04 Dec 2022 05:36:55 GMT

Yes! I figured I'd try the credit increase button on Best Buy card..got 3 clicks out of it until I got the 7-10 day message 🤣

500$-> $3500 woohoo

ill probably try for the lowes or Home Depot also but not sure about furniture-- maybe rooms to go?

@9CLINE wrote:
Lowes goes up to 84mths @ 7.99% over $2,999 and BestBuy also runs 24 mths @0% for purchases over certain amounts, check with them.
jm2cw

Re: 0% APR options

Sitori — Sun, 04 Dec 2022 05:37:15 GMT

@Duriel wrote:
That prequal always gives me a limit ending in $37. Awkward 😂. That looks like a good fit though.

🤣

Re: 0% APR options

OmarGB9 — Sun, 04 Dec 2022 05:57:26 GMT

Best Buy has ongoing 0% deferred interest offers on appliances depending on purchase amount.

Re: 0% APR options

OmarGB9 — Sun, 04 Dec 2022 05:59:50 GMT

Best Buy has ongoing 0% deferred interest offers on appliances depending on purchase amount.

Re: 0% APR options

Citylights18 — Mon, 05 Dec 2022 18:15:24 GMT

I probably wouldn't go the store card route unless you've got a larger project with them to finance.

Getting a regular 0% credit card will get you cash back/rewards that you can put to use. There are some exceptions to this. I have a Lowe's Business Card with a statement credits and 5% cash back the first 3,000 spent. I'm always a fan of building a purchase around an SUB. If whatever I buy runs me past the SUB I don't get it or try to app for another card to place it on.

Ideally stack 0% APR debt with loans on a checking line of credit to keep your overall monthly payments down.