Yes go for amex prequal, they have 0% too. I got this for my second card with 6 months history. https://www.americanexpress.com/us/credit-cards/check-for-offers/?inav=menu_cards_prequal_offer
@Anonymous wrote:AMEX is your best bet. Try their prequalification site ... i 'm sure something will pop up
@Anonymous wrote:Hello all,
I'm an international who is building credit in the US. My first card was unsecured discover chrome with a starting CL 2000$ which I have no idea how did they approve me for it, but I was a low risk according to their risk models.
I waited 6 months to get my Experian FICO8 which just came out as an impressive 750! maybe because I kept my utilization below 5%. Transunion has me at 721 according to credit Karma. Current CL is 2500$, just 1 CC opened and credit age is 6 months.
I'm aiming for a zero APR credit card as I want to make large purchases and pay them off over the next year. I was rejected for a BoA card a month ago because I did not have enough credit history.
Any adivce on which card to next apply for?
Thanks
Your score from credit karma is a Vantage score, not a FICO score, so it doesn't count. Vantage takes different factors into consideration when creating a score, which are different from the FICO model. (To me, CK is excellent for monitoring credit reports but lousy for scores). Go to creditchecktotal and get your real FICO scores for a $1 (don't forget to cancel), so you have an idea of where the rest of your scores are sitting at. I would try the pre-qualification pages at Citi, American Express and Capital One. Forget Chase or US Bank, you'll need a bit more history for approval with them, usually. Good luck!
