topic Re: I need a good 0% interest card, no annual fee that pulls Experian. in Credit Cards

I need a good 0% interest card, no annual fee that pulls Experian.

Anonymous — Tue, 20 Nov 2012 20:28:24 GMT

Any suggestions?

Re: I need a good 0% interest card, no annual fee that pulls Experian.

RyVision — Tue, 20 Nov 2012 20:31:46 GMT

Only thing that comes to mind off hand is an AMEX Blue Revolver like "Blue" or "Blue Cash Everyday" if they're running the 0% for 12 month promo, if you want to be sure they pull EX.

Re: I need a good 0% interest card, no annual fee that pulls Experian.

beb86 — Tue, 20 Nov 2012 20:32:33 GMT

AMEX gold...pulls EX, AF waived the 1st year and since its a charge card it has 0% interest.

Re: I need a good 0% interest card, no annual fee that pulls Experian.

webhopper — Tue, 20 Nov 2012 20:41:43 GMT

@Anonymous wrote:
Any suggestions?

We may need some more information to be able to help you with appropriate suggestions...

What cards do you currently have? what are the balances on those cards?

What are your current scores?

What's your current income?

What other features of a credit card most interest you?

Is there any other relevant information which would help us?

Hopefully we can figure out something to help you!

Re: I need a good 0% interest card, no annual fee that pulls Experian.

Anonymous — Tue, 20 Nov 2012 20:53:10 GMT

@webhopper wrote:
@Anonymous wrote:
Any suggestions?
We may need some more information to be able to help you with appropriate suggestions...

What cards do you currently have? what are the balances on those cards?
What are your current scores?
What's your current income?
What other features of a credit card most interest you?

Is there any other relevant information which would help us?

Hopefully we can figure out something to help you!

+1 to all that.

But dare I assume based on your title?

Without knowing more info, i probably shouldn't assume. But the title itself speaks volumes (sort of). Dire need of 0%. Preference to which CR is pulled. Preference to 0 AF.

Based on your title alone, I'd be hard pressed to recommend new credit.

Re: I need a good 0% interest card, no annual fee that pulls Experian.

youngandcreditwrthy — Tue, 20 Nov 2012 23:53:53 GMT

None of the cards listed are usable for bal xfers. Lol
Do you need a bal xfer?

You don't want to revolve a bal with Amex, ever. Period

Re: I need a good 0% interest card, no annual fee that pulls Experian.

webhopper — Wed, 21 Nov 2012 00:25:39 GMT

@ccnewcc

Its never a good idea to assume I have put my foot in my mouth more than once by doing that! Hopefully the OP will respong and I will be able to offer appropriate suggestions!

Re: I need a good 0% interest card, no annual fee that pulls Experian.

Anonymous — Thu, 22 Nov 2012 17:11:53 GMT

29% Utliization. Largest line is $9000. Have about 5 open credit accounts.

EX FAKO: 769 EQ & TU FICOs both 765.

Current Income $85K

Points and Travel rewards interest me.

Re: I need a good 0% interest card, no annual fee that pulls Experian.

webhopper — Thu, 22 Nov 2012 17:23:28 GMT

@Anonymous wrote:

29% Utliization. Largest line is $9000. Have about 5 open credit accounts.

EX FAKO: 769 EQ & TU FICOs both 765.

Current Income $85K

Points and Travel rewards interest me.

Hi! Based on your profile I recommend blue sky or Hilton hhonors card from American express. Also... if you want some options with an annual fee; chase sapphire preferred has great rewards. The Hilton card has a signup bonus going on so definately take a look. Hilton also owns Hampton inn... American express usually pulls experian so you should be good for approval. Good luck!

If possible pay your balances down to less than 9% of total utilization for best odds... amex doesn't like to see balances.

Re: I need a good 0% interest card, no annual fee that pulls Experian.

Anonymous — Thu, 22 Nov 2012 17:37:45 GMT

@Anonymous wrote:

29% Utliization. Largest line is $9000. Have about 5 open credit accounts.

EX FAKO: 769 EQ & TU FICOs both 765.

Current Income $85K

Points and Travel rewards interest me.

This isn't difficult is it? It is for this reason I advocate low APR cards. However, many dismiss the need for anything other than rewards or fashion cards, thinking 0 APR will be available whenever needed. When it's needed the most no lender wants to issue. The Experian limitation is the deal killer.

Re: I need a good 0% interest card, no annual fee that pulls Experian.

webhopper — Thu, 22 Nov 2012 18:11:58 GMT

If 0 percent interest is important, check out chase freedom or some of the citi card offerings. They don't pull experian though, to my knowledge.

Re: I need a good 0% interest card, no annual fee that pulls Experian.

daybreakgonesXe — Thu, 22 Nov 2012 18:21:56 GMT

@webhopper wrote:
If 0 percent interest is important, check out chase freedom or some of the citi card offerings. They don't pull experian though, to my knowledge.

Chase in the north NJ area actually pulls experian...I haven't checked my experian lately to see if they definitely hit it for my Sapphire (though i assume so since my Transunion and Equifax is clean) but they definitely did for my Freedom!

Re: I need a good 0% interest card, no annual fee that pulls Experian.

kevinjjc — Thu, 22 Nov 2012 20:15:15 GMT

Chase pulls Experian in the NYC area. If you have a security freeze on your Experian, it's possible to get them to pull Equifax or Transunion.

Re: I need a good 0% interest card, no annual fee that pulls Experian.

Epcot — Thu, 22 Nov 2012 20:17:41 GMT

I'm in FL and Chase pulled EX last week when I applied with them.

Re: I need a good 0% interest card, no annual fee that pulls Experian.

Cdnewmanpac — Fri, 23 Nov 2012 02:36:28 GMT

Both Citi and Chase (and Amex, for that matter) have always pulled Experian for me in Colorado. Citi TY preferred and Forward both offer 0 APR for 12 mos. If you want to skip rewards, Citi Simplicity and Diamond Pref both offer 0 interest for 18 mos. Chase Freedom is 0 APR for 15 months, then rotating rewards categories. Or, if willing to skip rewards, Chase Slate is also 15 mos 0 APR. The key is that different banks pull different reports in different geographic areas, so you need to figure out who pulls what in your specific area.

Re: I need a good 0% interest card, no annual fee that pulls Experian.

youngandcreditwrthy — Fri, 23 Nov 2012 04:02:37 GMT

Chase pulled Eq&exp in Tx for Freedom!
Discover pulled eq.
Amex pulled all threee. I got a Motiva with 15 mos 0% on bts and prchases, same w Chase Freedom. Aaaaannnddd I got Amex BCE 12 mos 0% only on purchases. Amex doesnt seem to offer bt offers any more.

Re: I need a good 0% interest card, no annual fee that pulls Experian.

youngandcreditwrthy — Fri, 23 Nov 2012 04:04:56 GMT

Pretty sure BOA pulls Exp exclusively in my area, as well as Citi.. In Texas that is.

Re: I need a good 0% interest card, no annual fee that pulls Experian.

LTomBerry — Fri, 23 Nov 2012 04:19:34 GMT

@youngandcreditwrthy wrote:
Pretty sure BOA pulls Exp exclusively in my area, as well as Citi.. In Texas that is.

I have a BofA card 0% for 12 months, they pulled EX. They have various rewards cards, you should be able to find one that suits you.

If you need to transfer a balance, Chase Slate is the way to go, 0 BT fee, 0% for 15m, but I'm not sure what CR they'll pull.