Recommendations for Cards with Benefits and 0% APR

[Harvey26]

@Inearnest Did you ever remove yourself or app?

[Gmoney144]

U.S Bank had 0% offer for 21 months.  I took advantage of the offer when I purchased solar for my home.  Also, look at First Tech credit union. They are one of the few financial institutions that have no balance transfer fee. 

[Inearnest]

Hello! Thanks for following up I've been meaning to do an update. So here's what happened:

Decided to apply for the Chase Freedom Unlimited - went into the bank and applied in person. Was told by the bank associate that I got the "we will get back to you in a few days" message. Found the "chase approval guide" https://imgur.com/a/chase-approval-guide-oXlPW and called the number to speak to customer service. At this point it got a bit confusing, my last name has a non-standard format and I think the bank teller input some of my information incorrectly. So the first person I spoke to said they were still deciding, and after some circles updated my account. I called back and spoke to another person, who said I was denied. Elevated the call to find out what was wrong and after some more name confusion found out that I was denied mainly due to "obligations too high relative to income". 

Yup so I think you were totally right about her debt affecting me (plus my high loans). I went ahead and had my sister remove me from her card but that took a bit of time, so now I am waiting for the July report.

I think I might give up on Chase cards for awhile - I seem to get the run around every time I try and do anything with the company. At this point I already had to make the early high value purchases I need, so I'll wait a month or two and re-apply for one of the many other reccomendations you all have been so kind to give me before I apply to residency. I'll keep updating when (if) I finally get a card. 

[FicoMike0]

You might look here

https://www.doctorofcredit.com/list-of-0-apr-credit-card-offers/

You have good scores, shouldn't have a problem. I just did USB connect visa, $500 sub for $2000 spend. It is a travel card with no af. They also paid me $500 sub for their checking. What's not to like?

[Inearnest]

Okay so a month later my scores went up significantly (right now carrying $7200 or 26% of my revolving credit as I had to make a few purchases for school expenses) and didn't pay my card down before the last report. It was maybe 10 points higher last month when my blance was much lower:

Fico 8 

Experian 762

Exquifax 766

Transunion 771

Now still have to decide what I'm going to apply since I'm done being rejected by Chase 

[Inearnest]

This link is super helpful! And seems very up to date. Thanks very much for sharing

Congrats on your USB! That sounds like a good card I'm gonna look into it. 

[FicoMike0]

They've dropped the su b to $200, not so good anymore. Take a look at doc, theyll have the current offers.