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Hey guys,
Looking for a 0% credit card with the highest length of 0% and highest welcome spending bonus that will also give me a high credit limit. Current FICO scores are EXP 770 TRANS 775 EQUIFAX 781. 9% current credit usage ($10,003 CL used of $106,600) with only one card high usage (chase slate with $8600 balance with $13k limit--taking advantage of a balance transfer offer). 1 HP (4/19/2015) on TRANS, 0 on EQUIFAX, 0 EXP.
Current Credit Cards:
SEARS MC: $0/$5000
CITI DOUBLE CASH: $0/$7600
CHASE SAPPHIRE: $0/$10,000
CHASE FREEDOM: $0/$8000
CHASE SLATE: $8644/$13,000
AMEX BCE (AUTHORIZED USER): $482/$23,100
AMEX BCP: $0/$24,900
AMEX PLATINUM: $255/NPSL
BARCLAY ARRIVAL: $230/$5000
MACYS DSNB: $$679/$1500
I'm inferring that with only 1 inquiry, you're within the 5/24 for Chase. It's not THE BEST 0% time length and it's not THE BEST sign up bonus, but you could go for Freedom Unlimited and if the limit is lower than you'd like, you could move some limit from one of your other Chase cards. Generally bonus vs. 0% time period is a trade off. If you don't want more with Chase, I think B of A has some 0% cards with sign up bonuses. Again, not stellar, but something. If you've got a business, Ink Cash.
I've gotten several pre-qual mail offers for BofA, but how are there starting credit limits?
@KS13 wrote:I've gotten several pre-qual mail offers for BofA, but how are there starting credit limits?
I actually just got my first B of A card (the beige Plat Plus or whatever their basic balance transfer card is called). I had a pre-qual in the mail (theirs online isn't legit) with a good rate and longer terms than offered on the website. But I WAS a bit disappointed in the CL. I got $11k. I am asking for more, in uw now. While I'd like more, I'm okay with the super long term for now. (21 months)
Maybe Barclay ring or arrival for BT?
@Anonymous wrote:I'm inferring that with only 1 inquiry, you're within the 5/24 for Chase. It's not THE BEST 0% time length and it's not THE BEST sign up bonus, but you could go for Freedom Unlimited and if the limit is lower than you'd like, you could move some limit from one of your other Chase cards. Generally bonus vs. 0% time period is a trade off. If you don't want more with Chase, I think B of A has some 0% cards with sign up bonuses. Again, not stellar, but something. If you've got a business, Ink Cash.
This
OP you need to decide which is more important since the cards with the best bonuses don't have the best (if any) 0% and the longest 0% rarely have good sign up bonuses (or even rewards)
there's a $200 bonus off $500 spend with 0% intro apr for 12 mos. google "chase aarp 200 bonus". just sayin'.
nvm. i clicked the apply now button and it said, offer unavailable.
You might also consider VentureOne's 20K mile bonus for $1K spend. IIRC, Venture has a 40K mile bonus for $3K spend.