Balance Transfer and Purchase APR: Seeking Cards with Long 0% Intro Periods

[Superduper2014]

Hi all,

I'm looking to open at least 2 more cards with the following features:

1. One with a long 0% APR period for balance transfers
2. Another with 0% APR for purchases

My current credit profile:

• 800+ FICO 9 score across all bureaus
• 6% overall utilization
• 1 hard inquiry on Equifax and Experian (Chase, Oct 19, 2023), none on TransUnion

Existing cards:

• 2 Citi (AA $17k, Diamond $15k, both unused)
• 2 Amex
• 2 Discover
• 2 Capital One
• 3 Wells Fargo
• 2 US Bank
• 2 Truist
• 1 Chase
• 1 Synchrony (Lowe's)

Credit limits range from $2k to $26k, mostly around $15k. I've reached the max credit available with most issuers.Cards with balances:

• Discover (28% utilization)
• US Bank (28% utilization)
• Truist (27% utilization)

Given my current card portfolio, can you recommend any cards that fit my criteria for 0% APR on balance transfers and purchases, preferably with high initial credit limits?

I'm particularly interested in less mainstream banks as I may have maxed out my options with major issuers.

Any suggestions or insights would be greatly appreciated!

[Superduper2014]

Hello Citi cardholders,

I currently have two Citi cards:

• AA: $17k limit (unused)
• Diamond: $15k limit (unused)

I'm looking to open at least 2 more cards with the following features:

1. One with a long 0% APR period for balance transfers
2. Another with 0% APR for purchases

Questions:

1. Can I get a third card with a high initial limit from Citi?
2. Is it possible to transfer available credit between Citi cards?

Any experiences or advice would be much appreciated!

[SouthJamaica]

---

@Superduper2014 wrote:

Hi all,

I'm looking to open at least 2 more cards with the following features:

1. One with a long 0% APR period for balance transfers
2. Another with 0% APR for purchases

My current credit profile:

• 800+ FICO 9 score across all bureaus
• 6% overall utilization
• 1 hard inquiry on Equifax and Experian (Chase, Oct 19, 2023), none on TransUnion

Existing cards:

• 2 Citi (AA $17k, Diamond $15k, both unused)
• 2 Amex
• 2 Discover
• 2 Capital One
• 3 Wells Fargo
• 2 US Bank
• 2 Truist
• 1 Chase
• 1 Synchrony (Lowe's)

Credit limits range from $2k to $26k, mostly around $15k. I've reached the max credit available with most issuers.Cards with balances:

• Discover (28% utilization)
• US Bank (28% utilization)
• Truist (27% utilization)

Given my current card portfolio, can you recommend any cards that fit my criteria for 0% APR on balance transfers and purchases, preferably with high initial credit limits?

I'm particularly interested in less mainstream banks as I may have maxed out my options with major issuers.

Any suggestions or insights would be greatly appreciated!

---

I would check out credit unions such as BECU, Langley, PenFed, NFCU, Unify.

[SouthJamaica]

---

@Superduper2014 wrote:

Hello Citi cardholders,

I currently have two Citi cards:

• AA: $17k limit (unused)
• Diamond: $15k limit (unused)

I'm looking to open at least 2 more cards with the following features:

1. One with a long 0% APR period for balance transfers
2. Another with 0% APR for purchases

Questions:

1. Can I get a third card with a high initial limit from Citi?
2. Is it possible to transfer available credit between Citi cards?

Any experiences or advice would be much appreciated!

---

1. I have never heard of Citi limiting the number of cards they will issue.

2. In my experience it has been absolutely impossible to move limits between Citi cards. I have asked and been turned down many times.

[Superduper2014]

@SouthJamaica 

That's too bad, I was hoping I could transfer available credit on other cards with them if they gave me a small CL if I ended up applying with them. 

They have given me a lot of credit so far, so I may be better off looking elsewhere for new cards. What do you think?

[SouthJamaica]

---

@Superduper2014 wrote:

@SouthJamaica 

That's too bad, I was hoping I could transfer available credit on other cards with them if they gave me a small CL if I ended up applying with them. 

They have given me a lot of credit so far, so I may be better off looking elsewhere for new cards. What do you think?

---

I don't have enough experience with Citi to really say, one way or the other. In general they seem to me to be kind of tough.

[Xanthos472]

---

@Superduper2014 wrote:

Hi all,

I'm looking to open at least 2 more cards with the following features:

1. One with a long 0% APR period for balance transfers
2. Another with 0% APR for purchases

My current credit profile:

• 800+ FICO 9 score across all bureaus
• 6% overall utilization
• 1 hard inquiry on Equifax and Experian (Chase, Oct 19, 2023), none on TransUnion

Existing cards:

• 2 Citi (AA $17k, Diamond $15k, both unused)
• 2 Amex
• 2 Discover
• 2 Capital One
• 3 Wells Fargo
• 2 US Bank
• 2 Truist
• 1 Chase
• 1 Synchrony (Lowe's)

Credit limits range from $2k to $26k, mostly around $15k. I've reached the max credit available with most issuers.Cards with balances:

• Discover (28% utilization)
• US Bank (28% utilization)
• Truist (27% utilization)

Given my current card portfolio, can you recommend any cards that fit my criteria for 0% APR on balance transfers and purchases, preferably with high initial credit limits?

I'm particularly interested in less mainstream banks as I may have maxed out my options with major issuers.

Any suggestions or insights would be greatly appreciated!

---

Looks like you're missing a major issuer: Bank of America. Is there a reason?