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Hi,
I urgently need to apply for a 0% APR card. Please suggest me a sure shot card based on my profile.
Fico 8 Credit Score: 741
Inquiries: 2
Utilization: 19%
Cards opened in the last 24 months: 1
I have 3 AMEX Cards, 2 Discover Cards, 1 Citi Card (Opened 2 weeks ago)
Recently applied for a Capital One card and was denied.
We need more info. Income? Current balances/limits on existing cards? Any baddies? Where did you get that FICO 8 score? What was the denial reason(s) from Capital One?
@mrinal wrote:Hi,
I urgently need to apply for a 0% APR card. Please suggest me a sure shot card based on my profile.
Fico 8 Credit Score: 741
Inquiries: 2
Utilization: 19%
Cards opened in the last 24 months: 1
I have 3 AMEX Cards, 2 Discover Cards, 1 Citi Card (Opened 2 weeks ago)
Recently applied for a Capital One card and was denied.
After the Fed's 75 basis points increase to the federal funds rate https://en.wikipedia.org/wiki/Federal_funds_rate on Wednesday, July 27, 2022, the current prime rate is 5.5%. There may still be some situations for those with excellent credit to obtain a loan with a 0% interest rate, but the days of easy credit are probably gone for the foreseeable future. Your Experian 8 FICO score of 741 might qualify you for a 0% interest rate on a new car loan, but a new car loan is probably not what you are looking for.
Edit: the prime rate is 3% higher than the federal funds rate.
You just opened a Citi card 2 weeks ago, was it not 0% for 12-15mo? Most cards anymore offer that when new.
@mrinal wrote:Hi,
I urgently need to apply for a 0% APR card. Please suggest me a sure shot card based on my profile.
Fico 8 Credit Score: 741
Inquiries: 2
Utilization: 19%
Cards opened in the last 24 months: 1
I have 3 AMEX Cards, 2 Discover Cards, 1 Citi Card (Opened 2 weeks ago)
Recently applied for a Capital One card and was denied.
There are still some cards out there with a time limited 0% APR but like stated without knowing all of your DP's and salary it's hard to steer you in the right direction.
Also you say here that you've only gotten 1 new card in 24 months BUT you've posted approvals for 3 new cards where you were seeking higher limit BT cards and asking if you could ask for an immediate CLI in the past 2 weeks on here including another one just 2 days ago and also ask about reapply for another AmEx card. You've stated in those you have received a 2nd Discover card, Chase card and Citi card all in the past few days. So thats at least 3 new cards not 1. You also stated you were denied a Cap1 Quicksilver (which is really a starter card and normally very easy to get) for too many INQ and 698 score, also just a few days ago. SO 3 new cards in 2 weeks may be tough to get higher limit 0% APR cards because it will look like desperate credit seeking behavior to the card issuers. But again give us your full DP's and maybe someone can help.
Wow... we got some sleuths around here 🤣 741 with 19% utilization feels about right on a clean file. However 0% aint gonna be easy to find. I'd check NFCU as their Platinum card can come with a 0% BT offer up front.
Oh! I've been getting hounded by US Bank to apply for their Platinum card recently. It's 0% everything for the first year... couldn't hurt to check it out.
Yeah. I did. I transfered balances to that card. Actually I am trying to pay off balances. I do not want to pay more interests.
Thank you for the comment. After posting this query, I applied for Chase Freedom Unlimited and was instantly approved with a SL 8600.