topic Re: Recommend a GOOD 0% Credit Card in Credit Cards

Recommend a GOOD 0% Credit Card

poops — Wed, 26 Sep 2012 18:25:40 GMT

I'm looking for a card that will allow me to do a BT @ 0% for 15-24 months.

I have 0 inquiries over the last 2 years. Good income. My only baddies are (2) 30 day lates a bit over 2 years ago.

My FICO scores are as follows...

EQ - 728

TU - 732

EX - 750+ (various FAKO sources...)

Let me know if you have any questions that will help you provide a constructive response.

Thanks!

Re: Recommend a GOOD 0% Credit Card

Duncanrr — Wed, 26 Sep 2012 18:43:58 GMT

Need to know what cards you currently have.

Re: Recommend a GOOD 0% Credit Card

Tommy5746 — Wed, 26 Sep 2012 18:44:03 GMT

@poops wrote:
@I'm looking for a card that will allow me to do a BT @ 0% for 15-24 months.

I have 0 inquiries over the last 2 years. Good income. My only baddies are (2) 30 day lates a bit over 2 years ago.

My FICO scores are as follows...

EQ - 728
TU - 732
EX - 750+ (various FAKO sources...)

Let me know if you have any questions that will help you provide a constructive response.

Thanks!

CITI has some good balance transfer promos going on right now... head on over to their website and you'll see all of there advertisements for balance transfers..

Re: Recommend a GOOD 0% Credit Card

poops — Wed, 26 Sep 2012 19:02:36 GMT

@Duncanrr wrote:
Need to know what cards you currently have.

Citi Driver's Edge - $20,100 limit ($13K balance)

Chase Freedom - $20,000 limit ($2k balance)

BR Visa - $7600 limit ($0 balance)

Credit Union Visa - $7,500 limit ($5K balance)

Sears Card - $4,600 limit ($0 balance)

Electronics Store Card - $4,300 limit ($1k balance)

I'm looking to transfer the Citi Driver's Edge and Credit Union balances to a single 0% card and pay it off within 12-18 months...

Also, related question... is it possible to transfer a balance from one card to another from the same credit card issuer? For example, can I transfer a balance from one Citi card to another Citi card?

Re: Recommend a GOOD 0% Credit Card

youngandcreditwrthy — Wed, 26 Sep 2012 19:11:35 GMT

It's going to be difficult to get a starting limit to accomodate a BT for those balances...

however,

Barclay's does have several 0% offers for 15 months( Priceline Visa, etc.) and so does Chase (Slate/Freedom Visa)

Chase and Barlcay's are also good with recons & "matching limits"

so imo, you could try those, but it's a ymmv situation with the credit limits if you're trying to transfer that many of your balances over.

I would AVOID CITI... they have been rude to me any time I've called them, and I've NEVER spoken to an American rep ANY time I've called them.

Even if their BT offers are good.. they just seem quite surly.

Best of luck!

Re: Recommend a GOOD 0% Credit Card

youngandcreditwrthy — Wed, 26 Sep 2012 19:14:10 GMT

OH! And most creditors will NOT let you xfer balances between accounts with the same creditor. However, if you have a BT check offer opportunity, you could deposit into your checking, then pay it off as they cannot control how you use "cash" depositied into your person checking....

You have great score btw!!!

Re: Recommend a GOOD 0% Credit Card

aussiesareforever — Wed, 26 Sep 2012 19:56:46 GMT

Why don't you try Discover. They usually have a good 0% transfer period. Also the Barclay Rewards card...I think it is about 15-18 months or so

Good luck!

Re: Recommend a GOOD 0% Credit Card

LS2982 — Wed, 26 Sep 2012 22:35:07 GMT

I agree with Barclays rewards, and is also recon for higher CL if they don't match your others.

Re: Recommend a GOOD 0% Credit Card

youngandcreditwrthy — Wed, 26 Sep 2012 23:07:37 GMT

You might see if your chase freedom can do a 0% bt or pc it to a slate w a 0% for 15 mos w no bt fee.

Re: Recommend a GOOD 0% Credit Card

firesoul453 — Wed, 26 Sep 2012 23:23:56 GMT

My citi Diamond preferred has an 18 month 0% for BT and balances! You also get concierge, not a bad card at all!