Applying for a Credit Card for 0% APR and Cashback

Anonymous · ‎03-20-2018

Transunion 640

Equifax 639

Fico 682

Hi, first time posting, sorry if i do something wrong.

Im traveling from SFO to Hawaii for a week(june), and SFO to Orlando for a week too(July),

i was hoping to find a credit card so i can take advantage of the cashback and have sometime to pay everything

my credit is 2 years old, Credit Limit of 2750 and im using 560 (i payed off, but it didnt reported yet)

Citi Double Cash $500 ( 4 mos )

Wellsfargo $800 (1 yr 7 mos ) They never increased, i did ask, and was denied

Syncrony car care $700 ( 3 mos )

Capital one platinum $750 ( 1yr 2 mos)

So... 100% payment on time

No derogatory

Average credit age 10 mos

Total Accounts 7 ( 2 financed cars 4 mos and 1yr 7 mos )

Hard Inquiries 27 ouch ( DEALERS....)

Anyway, anybody can help me out? which card should i apply?

American Express (0% for 15 Months)
Amex (Intro Purchase APR0% for 15 Months)

Thank you

Anonymous · ‎03-20-2018

Hi Hanks,
Welcome to the forum.
With the DPs you have provided, my suggestion is to go to the Amex website and check for pre-qualified offers first.

Good luck and come back and tell us what happened!

Anonymous · ‎03-20-2018

Where are you getting your credit scores from? You also said "Fico 682"...did you mean that your Experian FICO score is 682?

@Anonymouswrote:
Transunion 640
Equifax 639
Fico 682

Hi, first time posting, sorry if i do something wrong.
Im traveling from SFO to Hawaii for a week(june), and SFO to Orlando for a week too(July),
i was hoping to find a credit card so i can take advantage of the cashback and have sometime to pay everything
my credit is 2 years old, Credit Limit of 2750 and im using 560 (i payed off, but it didnt reported yet)
Citi Double Cash $500 ( 4 mos )
Wellsfargo $800 (1 yr 7 mos ) They never increased, i did ask, and was denied
Syncrony car care $700 ( 3 mos )
Capital one platinum $750 ( 1yr 2 mos)

So... 100% payment on time
No derogatory
Average credit age 10 mos
Total Accounts 7 ( 2 financed cars 4 mos and 1yr 7 mos )
Hard Inquiries 27 ouch ( DEALERS....)

Anyway, anybody can help me out? which card should i apply?
American Express (0% for 15 Months)
Amex (Intro Purchase APR0% for 15 Months)

Thank you

Anonymous · ‎03-20-2018

@Anonymouswrote:
Where are you getting your credit scores from? You also said "Fico 682"...did you mean that your Experian FICO score is 682?

@Anonymouswrote:
Transunion 640
Equifax 639
Fico 682

Hi, first time posting, sorry if i do something wrong.
Im traveling from SFO to Hawaii for a week(june), and SFO to Orlando for a week too(July),
i was hoping to find a credit card so i can take advantage of the cashback and have sometime to pay everything
my credit is 2 years old, Credit Limit of 2750 and im using 560 (i payed off, but it didnt reported yet)
Citi Double Cash $500 ( 4 mos )
Wellsfargo $800 (1 yr 7 mos ) They never increased, i did ask, and was denied
Syncrony car care $700 ( 3 mos )
Capital one platinum $750 ( 1yr 2 mos)

So... 100% payment on time
No derogatory
Average credit age 10 mos
Total Accounts 7 ( 2 financed cars 4 mos and 1yr 7 mos )
Hard Inquiries 27 ouch ( DEALERS....)

Anyway, anybody can help me out? which card should i apply?
American Express (0% for 15 Months)
Amex (Intro Purchase APR0% for 15 Months)

Thank you

MaizeandBlue Credit Karma, and FICO from Lexignton Law website ( My mistake, is just a Experian score, you are right)

piroskavalentino I already checked, i dont have any pre qualified, only maybe with citi ( but with annual fee) and Capital One ( no 0 apr)

Do you guys recommend any another credit card? Chase freedom or something instead of American express and Amex... Im just worried that they approve for $500.... and i was hoping to pay for both flights so i can get cash back or miles idk hahaha

Anonymous · ‎03-20-2018

You should check the Discover prequal site. It’s possible Disco may want to be your number one card and extend a higher CL than your other cards.

The first year is double cash back and typically there are 0% balance transfer and purchase offers for new accounts.

Good luck.