Looking for a new card with 0%

[Absolution16]

I am also in the hunt for one of these, with the added condition of "No-FTF."

I looked at CapitalOne, but their pre-qualification tool only spits out ones for "good credit."  I haven't been putting enough spend on my QS and my recent CLI request, just for the heck of it, was denied a couple of weeks ago.  Maybe that has something to do with this?

I am also considering long-term viability of any cards I open, as I don't want them to become completely useless once the promo period expires.

I applied for WF Reflect and BoA BankAmericard, but both of them are in the "identity verification" hell, as I had described in the thread linked below.  At this point, I think no matter which bank/CU I apply with, I am gonna have to go through the same ordeal all over.

https://ficoforums.myfico.com/t5/Credit-Card-Applications/WF-Reflect-Denial-gt-BofA-BankAmericard-Ap...

[Beefy1212]

---

@TRC_WA wrote:

---

@Roisin wrote:

We replaced THREE air-handlers last year. 

---

@Roisin 

Yeah I must say that after spending 30+ years in GA/FL prior to moving to the left coast in 2011 I don't miss the 24/7 AC usage for 9 months out of the year... walking out the door at 5am and instantly sweating... etc... etc...

Most houses here in western WA don't even have AC including mine.  I do have a portable unit though just in case we catch a mid 80's heatwave.  

---

First time I went to DC it was 98 degrees with 98% humidity at 3am, I was like yea no... never living here. I will take my Bay Area "heat waves" anyday. 

[OmarGB9]

I know you're a member of Penfed already, but I'm unfamiliar with your current line up with them; I was going to suggest the PF Gold Card. 15 months, 0% APR for new purchases as well as BTs, but no SUB though.

[ptatohed]

You might consider a no balance transfer fee card in addition to 0% APR.  There are a few but they are usually shorter terms like 0%APR for 12 months.  I think Union Bank's Platinum was $0 BT fee and 0% APR for 15 months not long ago.  Not sure if it still is.  

[NoMoreE46]

My current total exposure with WF is what I am thinking will be the issue.

---

@Roisin wrote:

@NoMoreE46, I get it. I thought perhaps "special financing" though the HVAC company might see you clear of any earlier issues with WF. Regardless, I hope you find something that works for you.  

---

[NoMoreE46]

Appreciate your suggestion @OmarGB9.

[NoMoreE46]

In Florida so  wholehouse AC really is a must.  I used to live in Massachusetts where I didn't even have window units.

I made the tourist mistake of not bringing a jacket when visiting SF in July. 

---

@Beefy1212 wrote:

---

@TRC_WA wrote:

---

@Roisin wrote:

We replaced THREE air-handlers last year. 

---

@Roisin 

Yeah I must say that after spending 30+ years in GA/FL prior to moving to the left coast in 2011 I don't miss the 24/7 AC usage for 9 months out of the year... walking out the door at 5am and instantly sweating... etc... etc...

Most houses here in western WA don't even have AC including mine.  I do have a portable unit though just in case we catch a mid 80's heatwave.  

---

First time I went to DC it was 98 degrees with 98% humidity at 3am, I was like yea no... never living here. I will take my Bay Area "heat waves" anyday. 

---

[NoMoreE46]

I got a BofA card (Bank Americard) with that 21 months- thanks @JoeRockhead !

---

@JoeRockhead wrote:

Pretty sure BoA still has at least one card with 21 months 0%, might have another with 15 months 0%... Also your heating and air people may have a 0% financing option as well, but of course no SUB with that. My condolences as we had to replace ours this past fall.

---

[KH-Underbat]

As the OP has indicated confirmed approval, this thread is now locked and closed to additional messages. Congratulations!