CCCs that will extend 0% upon request?

[Anonymous]

I'm looking to put a $10k or so purchase or so on a CC this Spring (new roof for the house) and would like to know if there are any CCCs that are good about extending a 0% offer upon request?  I have the cash to pay for it outright, but would rather put it on a CC at 0% for at least 6 months or 12 months ideally.  I'm talking about requesting 0% from an existing CCC, not applying for a new card BTW.  Are there CCCs that if you're a current customer are open to throwing you 0% for a while?  Thanks for any feedback here, forum.

[simplynoir]

Are BTs not an option?

[Shadowfactor]

Discover has been known to offer 0% on purchases to existing cardholders.

as simplyNoir mentioned.

another possible option is a balance transfer. You would likely have to pay the BT fee unless it’s a new card. 

[Anonymous]

Discover has offered me 12 months 0% interest every time I’ve asked them for an APR reduction on one of my IT cards...

[Anonymous]

Yeah the Disco 0% is offered every 18 months apparently (6 months between 12 month 0% offers). 

[Anonymous]

Keep in mind that your roofer might want to add the credit card interchange fee to the cost.

[Anonymous]

Sounds like Discover may be the way to go, so maybe I'll reach out to them.  I've got a > $40k limit on that card, so rolling with 20-something percent utilization for a while won't be terrible.

[NRB525]

Discover does offer 0%, but depending on the sophistication of the roofer, is Discover accepted there?

If not, the Discover also has the no-fee 4.99% APR option to carry.

I don’t think many (any) other cards offer those 0% terms on purchases to existing customers.

[kdm31091]

The only lender I've heard of doing this on request is, as mentioned, Discover. Otherwise you'd be looking at a new app and/or BT.

[minski]

I seem to recall Citibank offering me 0% on purchase for 12 months at one point. They usually offer BT offers but I usually PIF unless I have 0%APR and I recall taking advantage of this offer.