Banks that give 0% APR upon asking on existing CC

[xenon3030]

I called Discover to double check the offers on my credit card for the upcoming purchases and bills. I received a 0% APR offer on purchases and for a year

I double checked my other credit cards and besides 0% APR on SYW and 9% APR on my Amex BCE, I do not see any other offers. The rest of my APR are hitting the sky at 20-30%.

I am looking for a few 0% APR cards for a few months. Which lenders would provide low APR offers on existing credit cards, upon asking?

PS: I have several BT offers on multiple cards (transfer fee~3-5%). Using a few of these cards, up to 29% of each CL, might be a good back-up option, without hurting Fico8 score or raising flags for AAs by mutliple lenders.

[crystal626]

Discover is the only one that's ever let me ask them for one, the others randomly decide to send me emails about it (which the last one to do so was Capital One for 0% for 6 months on my SavorOne I never use).

[ptatohed]

I've only ever read about Discover offering this.  

[pizzadude]

Yeah I agree with the above posts, almost no one other than Discover will grant you a 0% promo rate upon request, outside of a hardship program.

[NextUp2bat]

CONGRATS! I'm jealous because they offered me 2.9%. I was excited and accepted it, if I had known that they do 0%, I would've atleast asked for it. 

[Turbobuick]

Banks are most happy to loan money, provide low interest rates, and give breaks to those that don't need it. Even on 0% balance transfers, very important to compare transaction fees. 

[xenon3030]

While a 0% APR offer is rare to find on existing cards, Barclay View gives 3.99% APR on new purchases (targeted offers by email). The card also gives 0% BT offers (4% transfer fee; online offer after logging into the account).

[Gregory1776]

Congrats! They gave me the same after I asked for the APR to be reduced. https://ficoforums.myfico.com/t5/Credit-Cards/Discover-just-gave-me-a-year-interest-free/m-p/6804277...

im using it

[Jessie]

If you want the longest 0% period, you're probably better off applying for a new account. You can get 0% for 21-24 months from the best cards, according to WalletHub, while you're likely to get a fraction of that (if anything) from an existing card. It doesn't hurt to ask your existing credit card companies though. You'll have the most success with accounts where you've consistently paid the bill on time and in full. If you're currently accruing interest charges, your odds won't be good. 

[Jackie_22]

You can get 0% for 21-24 months from the best cards, according to WalletHub, while you're likely to get a fraction of that (if anything) from an existing card.

The problem is if you apply for that new card, you don't know what the credit limit will be. If it's low, then you just wasted a CC slot.