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Need a 0% APR CC with a good CL

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OCONUS
Regular Contributor

Need a 0% APR CC with a good CL

I am looking for a 0% APR card that comes with a good SL (8k and above). Here are my stats,

 

                            EX 760  EQ 741  TU 758

INQ                             12             3             8

New Accounts    4/6

AAOA                    7 Years

Util                           10%

 

It would be great if it is a EQ puller. 

 



Message 1 of 6
5 REPLIES 5
NoMoreE46
Community Leader
Senior Contributor

Re: Need a 0% APR CC with a good CL

WF Reflect.  Should be EXP.

 


@OCONUS wrote:

I am looking for a 0% APR card that comes with a good SL (8k and above). Here are my stats,

 

                            EX 760  EQ 741  TU 758

INQ                             12             3             8

New Accounts    4/6

AAOA                    7 Years

Util                           10%

 

It would be great if it is a EQ puller. 

 


 

Message 2 of 6
FicoMike0
Senior Contributor

Re: Need a 0% APR CC with a good CL

Wf reflect would be great. I've found wf does good cls. Unfortunately, ive found them sensitive to new accounts.  They do seem to favor existing customers, might open a checking with them,

https://accountoffers.wellsfargo.com/welcomebonus

$325 sub.

 

Message 3 of 6
OCONUS
Regular Contributor

Re: Need a 0% APR CC with a good CL

I have recent opened a WF BUS BLOC. I am not sure they will give me more credit with 12 EX inq. What about PNC? 

Are they sensitive to new acc and inq?

I am scared of Discover but I would like to know if others have gotten one easily.



Message 4 of 6
omgitsMatt
Frequent Contributor

Re: Need a 0% APR CC with a good CL

KeyBank - Latitude Credit Card

0% on Balance Transfers for 15 Months (4% BT Fee)

 

https://www.key.com/personal/credit-cards/keybank-latitude-mastercard.html

 

- Equifax HP.

- KeyBank says HP for CLIs, but reported to mostly be SPs except from folks who forgot to freeze Equifax(?).

- They often send 0% promos to existing customers, the card holds value for that after the promo ends.


Fairwinds - Preferred Cash Back

0% on Balance Transfers for 12 Months (0% BT Fee)

 

https://www.fairwinds.org/personal/credit-cards/cash-back-credit-card

 

- Equifax HP.

- You can try the pre-qualification they have


PenFed - Gold

0% on Balance Transfers for 15 Months (3% BT Fee)

 

https://www.penfed.org/credit-cards/gold-visa

 

- Equifax HP.

- They have a pre-qualification page.


Truist Future

0% on Balance Transfers for 15 Months (3% BT Fee)

 

https://www.truist.com/credit-cards/future

 

- Equifax HP.

- Low starting limits reported from really good profiles.


 

 

Message 5 of 6
omgitsMatt
Frequent Contributor

Re: Need a 0% APR CC with a good CL

JFCU - VISA Platinum

0% on Balance Transfers for 18 Months (0% BT Fee)

 

https://www.jfcu.org/CreditCards

 

- Equifax HP

- They just raised it from 12 months to 18. You should research this one more, IDK much about them.


Citizens Clear Value Mastercard
0% on Balance Transfers for 18 Months (5% BT Fee)

 

https://www.citizensbank.com/credit-cards/no-annual-fee-mastercard.aspx

 

- Equifax HP

- Tight lender it seems at times.


PNC Core Visa Credit Card (Experian)

0% on Balance Transfers for 18 Months (4% BT Fee)

 

https://www.pnc.com/en/personal-banking/banking/credit-cards/pnc-core-visa-credit-card.html

 

- They HP Experian, you mentioned Equifax would be ideal

- They like stronger profiles usually for good starting limits

Message 6 of 6
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