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Zero Interest, High Limit Cards

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Anonymous
Not applicable

Zero Interest, High Limit Cards

What are some cards that will give you a long introductory offer and are also more lenient when it comes to limits? Anything with 12+ months 0% interest? I'm looking at the simplicity at the moment, but i know citi double cash is stingy with limits.. is that across all their cards? I have many high limit cards and good credit so I don't think it'll be too hard to achieve, but what cards would you recommend trying given the criteria?

Message 1 of 7
6 REPLIES 6
OmarGB9
Community Leader
Super Contributor

Re: Zero Interest, High Limit Cards

The Diamod Preferred probably has the longest 0% offer, but it won't have the high limit you're looking for.

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Message 2 of 7
Anonymous
Not applicable

Re: Zero Interest, High Limit Cards

Bank Americard also has a long introductory 0% APR but that's specifically for BT...are you looking for low interest purchase APR or BT APR?

Message 3 of 7
Anonymous
Not applicable

Re: Zero Interest, High Limit Cards


@Anonymous wrote:

Bank Americard also has a long introductory 0% APR but that's specifically for BT...are you looking for low interest purchase APR or BT APR?



APR

Message 4 of 7
Anonymous
Not applicable

Re: Zero Interest, High Limit Cards

How high of a limit do you need? Chase Slate, Citi Simplicity and Diamond Preferred all have 0% over 12 months but from what I've read the starting limits arent usually generous with any of these cards.

I had to take a 2nd HP after approval to get DP up to $15k from $6k and it was worth it but not a guaranteed method.
Message 5 of 7
Anonymous
Not applicable

Re: Zero Interest, High Limit Cards

Im hoping for about 10K. The other option for me may be to get a slate and conslolidate limits. I may try the DC with the second pull and see what they do.

Message 6 of 7
NRB525
Super Contributor

Re: Zero Interest, High Limit Cards

You have a BCE with $32k. That is probably aged 13 statements or more.

I apped last weekend for the EDP, which has a 15 month 0% APR purchase and 0% BT on sign up, and got a $15k limit when I already have $12k + $10k + $10k, so you could app for another AMEX revolver, likely get your $10k at least, and if not, transfer some limit from the BCE.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 7 of 7
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