Good 0% Cards?

[pinkandgrey]

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@Anonymous wrote:

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Savor One doesn’t seem to be as hard to get as Savor and I believe you would be a prime candidate for either of them with your cards and limits, unfortunately the Savor doesn’t have an intro APR. 

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I always worry, though, when cards don’t show up in prequal. Cap One may not want me right now-the only prequals showing are the Plat and the QS1

[Jnbmom]

Yes that's what I heard but DH had about 20 inquiries when he was approved which surprised me, they pulled EXP only.

[pinkandgrey]

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@Anonymous wrote:

What are all of your inquiries for? Are they all cards? 

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Some are for new apps, some are for CLIs

[Anonymous]

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@pinkandgrey wrote:

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@Anonymous wrote:

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Savor One doesn’t seem to be as hard to get as Savor and I believe you would be a prime candidate for either of them with your cards and limits, unfortunately the Savor doesn’t have an intro APR. 

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I always worry, though, when cards don’t show up in prequal. Cap One may not want me right now-the only prequals showing are the Plat and the QS1

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Yeah that’s all that shows up for me right now too. Savor used to pop there for me and then I added 4 cards in a month 🤣 

[pinkandgrey]

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@Jnbmom wrote:

Yes that's what I heard but DH had about 20 inquiries when he was approved which surprised me, they pulled EXP only.

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Wow. My EX is definitely the dirtiest at the moment, though. Probably an EQ puller would be best 

[pinkandgrey]

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@Anonymous wrote:
If your Disco has some age they will likely give you 12 months 0 interest on purchases and save you the new tradeline...

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That would be awesome. Do they really do that? My Disco is about 2 years old

[Anonymous]

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@pinkandgrey wrote:

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@Anonymous wrote:

What are all of your inquiries for? Are they all cards? 

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Some are for new apps, some are for CLIs

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Hmmm... I mean it might be worth just gardening for awhile but I would say with you only having 5 cards, you’re not screaming churner or anything. It probably makes some degree of difference if you have inquiries on there for companies you don’t have accounts with to show for them (so basically denials) versus inquiries from existing creditors. 

[Anonymous]

Citi Double Cash may be an option, would recommend gardening for a stretch though.

Your SL options will really open up!

[Anonymous]

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@pinkandgrey wrote:

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@Anonymous wrote:
If your Disco has some age they will likely give you 12 months 0 interest on purchases and save you the new tradeline...

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That would be awesome. Do they really do that? My Disco is about 2 years old

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Yes you can ask every 6 months at full APR for a 0% period apparently and they’ll give it to you for a year. 

[pinkandgrey]

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@Anonymous wrote:
Citi Double Cash may be an option, would recommend gardening for a stretch though.

Your SL options will really open up!

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I already have the DC actually lol. Yes, I should garden for sure. I don’t really want another card to be honest. I want to build my relationship with my current ones, specifically the DC, because I use it for everything. But the 0% would be handy just for freeing up cash. Not a necessity though. Someone else suggested seeing if Disco would give me 0% for awhile. That would be ideal, but don’t know if they’ll actually do that?