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Currently my score according to Cap One Creditwise and Credit Karma is 721, Discover Scorecard 699, and a recent (couple days ago) inquiry from my credit union showing a score 684. I'm looking for a card with a 0% intro APR to charge my fall tuition to ($2000). My current cards are Capital One Quicksilver $2500 CL, TJX in-store only card through Synchrony $2200 CL, and Citizens Bank Credit Card with $5500 limit. I could put it on my Citizens card but would put my utilization up high. Combined income with my husband is around 50-55k. Any suggestions on cards to apply for? I'm not eligible for federal aid for this semester which includes federal student loans, and the private lenders do not do student loans for community colleges, hence looking for a card with 0% for a decent amount of time.
I would check Capital One prequal and choose travel and see if the regular Venture pops up. If it does, you have a pretty decent shot at a $5K or higher limit since the Venture has a $5K minimum and you can shoot for the SavorOne which has 0% for 15. I would actually pull all of your FICO scores first though. If you download the Experian app, you can get a free trial of CreditWorks Premium which will show you all three bureau's scores. If you're above 680 on each bureau and you don't have recent (younger than 3 years) late payments on your reports and you have a prequal, your chance of approval is very high.
Discover is another option for 0% for 14 months but they can be a bit of a wildcard with limits.
I would probably avoid getting a Chase or AMEX card to toss a balance on and carry it long term. Neither Disco or Capital One seem to mind a revolving balance which makes them excellent choices.
@Anonymous wrote:Currently my score according to Cap One Creditwise and Credit Karma is 721, Discover Scorecard 699, and a recent (couple days ago) inquiry from my credit union showing a score 684. I'm looking for a card with a 0% intro APR to charge my fall tuition to ($2000). My current cards are Capital One Quicksilver $2500 CL, TJX in-store only card through Synchrony $2200 CL, and Citizens Bank Credit Card with $5500 limit. I could put it on my Citizens card but would put my utilization up high. Combined income with my husband is around 50-55k. Any suggestions on cards to apply for? I'm not eligible for federal aid for this semester which includes federal student loans, and the private lenders do not do student loans for community colleges, hence looking for a card with 0% for a decent amount of time.
Hi and welcome to MyFICO
Just 2 questions: when were these cards opened and what is your UT (aggregate and on individual cards)?
Citi Simplicity Card has the longest 0% BT offer at 21 months and 12 months for purchases. The fee though at 5% is probably the highest out there. Keep in mind also that this card has always been reported here as NOT eligible for PC (product change) to other citi cards.
Next on that is the BoA BankAmericard at 18 months with only 3% fee.
The rest of other cards range from 12-15 months BT offer.
I recommend a card that has at least 12 months BT offer and will be of really great use to you in terms of your spending in relation to card rewards and benefits after the BT period.
@Anonymous wrote:
Venture I think did come up in my prequel offers yesterday. I do receive frequent offers for the Savor One card and the only reason I hesitate is because my QS started as a secured card with a $500 limit and the limit has taken so long just to get to 2500 limit. But I may give it a shot
The fact that Capital One boosted a secured card to $2500 tells me that you would likely be very successful.
My QS started life as a $300 unsecured Plat and is now an $8250 QS and they approved me for a $10K SavorOne last month despite low income ($18K) and all the credit seeking I have done in the last 24 months (every card in my signature is less than 2 years old except for the QS which is close to 5 1/2). Capital One rewards loyalty. The only thing that gives me a bit of pause is the balance you're carrying on your current card but Capital One isn't really known for caring about making money off of interest either so that might even work in your favor. If you have the prequal, it's definitely an excellent option and your profile is right where Capital One and Disco both like it to be.