Author Topic: 0% APR card comparisions (Read 10976 times)

LoLo · « **Reply #40 on:** July 30, 2019, 01:26:04 PM »

Quote from: Yammer on July 30, 2019, 01:08:07 PM

What are the chances of someone with a Credit Score of 640 getting approved for a 0% APR CC?

And what would be the best card to go for?

If it's due to high balances, it's possible with high income. Especially with a pre approval.

Yammer · « **Reply #41 on:** July 30, 2019, 02:24:56 PM »

Quote from: ExGingi on July 30, 2019, 01:13:05 PM

Such a score doesn't tell a complete story. What's the reason for the score being there?

I'd say the chances for 0% APR for BT are slim to none. Might get 0% APR on purchases but not on Balance Transfers. And CL is likely to be quite small.

It's due to high ratio on CL vs balances. They won't be doing a BT, it would be In new spending

Quote from: LoLo on July 30, 2019, 01:26:04 PM

If it's due to high balances, it's possible with high income. Especially with a pre approval.

Income vs balances will be ok.

LoLo · « **Reply #42 on:** July 30, 2019, 03:18:46 PM »

Try Citi's pre approval page.

chevron · « **Reply #43 on:** August 19, 2019, 03:58:23 PM »

I tried BB &t soft pull, was pre approved for 3 cards, 2 have 0% apr for 15 months

Anyone know any details? What kind of credit line could I expect? My fico is about 710

Otherwise was looking at Wells Fargo 18 months 0% apr

Yosel · « **Reply #44 on:** August 19, 2019, 04:16:05 PM »

Quote from: chevron on August 19, 2019, 03:58:23 PM

I tried BB &t soft pull, was pre approved for 3 cards, 2 have 0% apr for 15 months

Anyone know any details? What kind of credit line could I expect? My fico is about 710

Otherwise was looking at Wells Fargo 18 months 0% apr

""I tried BB"" what is BB?

chevron · « **Reply #45 on:** August 19, 2019, 04:42:00 PM »

Quote from: Yosel on August 19, 2019, 04:16:05 PM

""I tried BB"" what is BB?

It's when my phone makes a space between bb&t and schmuks like you need to point it out

Yosel · « **Reply #46 on:** August 19, 2019, 04:55:32 PM »

Quote from: chevron on August 19, 2019, 04:42:00 PM

It's when my phone makes a space between bb&t and schmuks like you need to point it out

ouch!! and which bank is bb&t?
thanks

ExGingi · « **Reply #47 on:** August 19, 2019, 04:58:14 PM »

Quote from: Yosel on August 19, 2019, 04:55:32 PM

ouch!! and which bank is bb&t?
thanks

GIYF

https://en.wikipedia.org/wiki/BB%26T

chevron · « **Reply #48 on:** August 19, 2019, 05:03:21 PM »

Quote from: ExGingi on August 19, 2019, 04:58:14 PM

GIYF

https://en.wikipedia.org/wiki/BB%26T

Any data on these cards ?

ExGingi · « **Reply #49 on:** August 19, 2019, 05:13:28 PM »

Quote from: chevron on August 19, 2019, 05:03:21 PM

Any data on these cards ?

I have none. Never dealt with BB&T.

I am guessing CL size will depend on your income and ratios.

theyankel · « **Reply #50 on:** August 22, 2019, 10:24:25 AM »

i just got a pre screened offer and when i applied, got approved for 0% 13 months from BBVA ClearPoints Credit Card... $10k
+ $100 statement credit after $1500 spend. i am looking at some purchases that i would carry for a while so this is a solid option

there is also a new card called ollocard.com - might be worth looking into. i think they have no fee BT

chevron · « **Reply #51 on:** November 07, 2019, 12:40:37 PM »

Both PNC and Wells Fargo keep sending me 18 month 0% apr offers. Could use it. Which is better?

Yef · « **Reply #52 on:** April 21, 2020, 12:29:33 AM »

Recently got a 20 month offer from peoples bank. Think they will still do it these days? Also in general can you balance transfer from business card to a personal card?

ExGingi · « **Reply #53 on:** April 21, 2020, 12:34:00 AM »

Quote from: Yef on April 21, 2020, 12:29:33 AM

Recently got a 20 month offer from peoples bank. Think they will still do it these days? Also in general can you balance transfer from business card to a personal card?

US Bank keeps on sending me 20 month balance transfer offer credit card.
https://applications.usbank.com/oad/termsSimpleApply.controller?locationCode=8069&offerId=QH8Q4848Q1

yudawils · « **Reply #54 on:** April 23, 2020, 05:12:58 AM »

I need a 0 apr card w a lot of cap
Any ideas
My credit is 590
And I have like 50-75k in cc debt that I'm paying 20-25 percent interest

yudawils · « **Reply #55 on:** April 23, 2020, 05:17:33 AM »

Also how do I find out my business score?
There's a lot going through the accounts and it should be good.

Joel · « **Reply #56 on:** April 23, 2020, 04:39:24 PM »

Quote from: yudawils on April 23, 2020, 05:12:58 AM

I need a 0 apr card w a lot of cap
Any ideas
My credit is 590
And I have like 50-75k in cc debt that I'm paying 20-25 percent interest

No need to cross post 7 times in other threads.

1) you need to cut up your credit cards. And not open any new ones.
2) Hire a financial consultant
3) call the banks to ask for a reduction in interest.
4) any milage or points you have pay it towards your balance.
5) take out a low interest loan to pay your credit cards that have high interest.

yudawils · « **Reply #57 on:** April 23, 2020, 04:45:58 PM »

thats depressing
thank you though!

Joel · « **Reply #58 on:** April 23, 2020, 05:34:45 PM »

Quote from: yudawils on April 23, 2020, 04:45:58 PM

thats depressing
thank you though!

You made the first good decision to ask for help.
Now you need to continue getting it in order.
Wish you best of luck

ExGingi · « **Reply #59 on:** April 23, 2020, 09:18:40 PM »

Quote from: Joel2 on April 23, 2020, 04:39:24 PM

3) call the banks to ask for a reduction in interest.

5) take out a low interest loan to pay your credit cards that have high interest.

Let's set expectations straight.

REALITY CHECK: Extremely unlikely to get any low interest rate loan with a 590 credit score. Also IME the banks are more likely to settle for less than owed (after a complete default) than to lower the interest rate for someone with a credit score below 600.