Definitely I'd recommend a PL. You should be able to use household income (and not your husband's credit, though) as long as you file taxes together.
Hmm looking further into it, using hh income may also require the other person to cosign. So perhaps you'd have to go for a CC after all if only wishing to use combined income; I know CCs allow you to use hh income even for a personal application.
You'd have to call and ask a PL company if they'll accept hh income without using the other person's credit, too. I'd try calling and asking Penfed, Upstart.
For CCs, look into NFCU if possible, Citi (Diamond Preferred card, as it has a long 21 month 0% APR on BTs), or a local credit union.
Your siggy says you have $38k available credit, is that accurate? Are you looking for more credit to pad the util? What cards do you currently have? Do you have a relationship with Amex? If so they have some pretty easy PL options that fund super quick.
@Tcoward84 wrote:I need about 10-12K. I’m having surgery in December and need to finance it. I’m looking at getting the longest 0% interest CC or a personal loan. I don’t think I would be approved for a PL because my income is household. My husband’s credit is less than stellar so, don’t want him on the loan. I applied for Care Credit back in July and got approved for 12K but, I need about 10-12k more. I also was preapproved for the Commenity Alphaeon card but, was denied when I applied..which totally blindsided me. What is my best option? What card or loan (if household income is accepted) would be my best bet? My credit is fairly new after letting all my old charge offs/baddies fall off my report. I have no negatives, no late payments, and 9% Utilization. I do have a lot of inquiries though and no mortgage or other loans.
Thanks so much in advance!
MY PROFILE/CREDIT SNAPSHOT:
FICO 8 Scores: EX- 728 TU- 743 EQ- 721
DTI: 21%
UTIL: 10%
Tradelines/CCs: 15
AAoA: 2 years 2 months
INQ: EQ 2 TU 3 EX 8 (last 24 mo)
TOTAL BALANCES $3280
TOTAL AVAILABLE CREDIT $38500
Your best bet would be to apply for a credit union, non-rewards, low interest, no-balance-transfer-fee, no-cash-advance-fee, platinum card. Find a credit union that offers one, apply for membership, and apply for the card.
Many of the best deals are with credit unions that are restricted to where you live, work, worship, volunteer, go to school, or to where you or your husband are employed. Some open membership credit unions offering this type of card are BECU, Chartway, Unify, and Interior. NFCU offers one but is somewhat restricted.
