Credit Cards with low interest or hidden TL.

[Anonymous]

I'm wondering if there are credit cards that have low interest or are hidden from the credit reports. I want to buy christmas presents this year and I don't think I will be able to PIF like my other cards. Any info would be greatly appreciated! My fico scores are in my sig

[Anonymous]

Paypal Credit is a hidden TL, for now.

Blispay offers zero interest for 6 mos on purchases over $199 and only reports to Experian.

[Physh1]

Citi Simplicity offers 21 months 0%...

[Anonymous]

There are plenty of card offers out with 0% APR for short-terms.  Unfortunately, I don't think any TL are truly hidden if you're going to carry a balance.  I figure with Christmas I have already resigned myself that I'll have to carry a balance into January, then pay it off in February.  My FICO scores will take the hit with the fluctuations for the next 2-3 months, but I'm not looking at any other financial products for a long time and I'm ok with my scores normalizing by March.

[Anonymous]

Most business cards don't report to personal credit. 

[Adkins]

PayPal credit is completely hidden, and usually offers six months, 0% financing for purchases over $99. You need to PIF before the due date or the interest is retroactive from the purchase date. You can use PayPal credit on the majority of sites that take PayPal, just set the PayPal credit as your default method of payment. I have ran into a few times where I could NOT default to PayPal credit, so be aware it's not 100% accepted by every merchant.

[Anonymous]

@ALK11

Don't you have to own a business to apply for a business card though?

[Anonymous]

You don't necessarily have to own a business. If you buy and sell stuff on eBay, shovel snow for your neighbors, teach piano, tutor kids in math, babysit, or knit sweaters to sell on Etsy, all of those would be considered businesses.

[Anonymous]

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@Anonymous wrote:
You don't necessarily have to own a business. If you buy and sell stuff on eBay, shovel snow for your neighbors, teach piano, tutor kids in math, babysit, or knit sweaters to sell on Etsy, all of those would be considered businesses.

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I do repair computers sometimes for people. I guess that could work. I will look into it. Thanks!

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
You don't necessarily have to own a business. If you buy and sell stuff on eBay, shovel snow for your neighbors, teach piano, tutor kids in math, babysit, or knit sweaters to sell on Etsy, all of those would be considered businesses.

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I do repair computers sometimes for people. I guess that could work. I will look into it. Thanks!

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Google "how to apply for a small business credit card" and you will find some helpful websites. Millionmilesecrets has some very detailed posts about how to go about an Amex business card.