topic Highest Limit 0% Intro Purchase APR Cards? in Credit Cards

Highest Limit 0% Intro Purchase APR Cards?

woppler — Tue, 22 Apr 2025 21:39:52 GMT

Hello,

I plan on making a large $25k purchase soon. Is it realistic to get a combined $30k limit between 2-3 0% Intro Purchase APR (15+ months) cards? If so, which 15+ month 0% Intro Purchase APR should I apply for?

I recently was approved for a Happy Money loan for credit consolidation.

Current stats:

Fico Ex: 758
Fico Eq: 757
Fico TU: 765
$110k stated income
0% utilization
$22,000 limit of all cards
AoOA 7.5 years
AAoA 4.5 years
0 accounts opened with past 24 months (besides happy money)
7 credit cards
Highest limit is $8.5k

Re: Highest Limit 0% Intro Purchase APR Cards?

NoMoreE46 — Tue, 22 Apr 2025 22:00:58 GMT

@woppler wrote:
Hello,

I plan on making a large $25k purchase soon. Is it realistic to get a combined $30k limit between 2-3 0% Intro Purchase APR (15+ months) cards? If so, which 15+ month 0% Intro Purchase APR should I apply for?

I recently was approved for a Happy Money loan for credit consolidation.

Current stats:
Fico Ex: 758
Fico Eq: 757
Fico TU: 765
$110k stated income
0% utilization
$22,000 limit of all cards
AoOA 7.5 years
AAoA 4.5 years
0 accounts opened with past 24 months (besides happy money)
7 credit cards
Highest limit is $8.5k

Welcome to my Fico.

Your profile looks strong @woppler.

WF Reflect and Citi Simplicity are at 21 months. BoA BankAmericard is 18 months.

Citi is most sensitive to new accounts so this ought to be first.

Re: Highest Limit 0% Intro Purchase APR Cards?

CreditCuriosity — Tue, 22 Apr 2025 23:48:15 GMT

Can certainly get some approvals with 15%+ months whether they would be 30k worth is a stretch. Usually the longer the Purchase APR% the lower the limits tend to be in my opinion. 30k is quite a bit of new credit on longer 0% APR cards especially considering your higest limit currently is 8.5k. Citi IMHO would offer likely the lowest limit out of the gate. Maybe some CU's offer longer 0% cards I am not sure asnd maybe others can answer but previous poster gave some named big banks and a few options.