Author Topic: 0% APR Cash Advance Card  (Read 2143 times)

Offline JoeyShmoe

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0% APR Cash Advance Card
« on: November 24, 2014, 09:58:39 AM »
Hi all! I need a CC with a 0% APR for 12+ months on a Cash Advance, I know that it's extremely frowned upon but I'm super desperate  :'(. I searched the forum for hours and couldn't find anything that's still applicable. I have 720+ credit score and I need $20k ASAP. Any help would be appreciated...

Thanx in advance
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Offline Novo

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Re: 0% APR Cash Advance Card
« Reply #1 on: November 24, 2014, 10:02:04 AM »
Hi all! I need a CC with a 0% APR for 12+ months on a Cash Advance, I know that it's extremely frowned upon but I'm super desperate  :'(. I searched the forum for hours and couldn't find anything that's still applicable. I have 720+ credit score and I need $20k ASAP. Any help would be appreciated...

Thanx in advance
AFAIK there's no 0% on CA but you can get two cards with 0% APR on balance transfers and you can write yourself a check.
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Offline ranhan429

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Re: 0% APR Cash Advance Card
« Reply #2 on: November 24, 2014, 10:04:08 AM »
Hi all! I need a CC with a 0% APR for 12+ months on a Cash Advance, I know that it's extremely frowned upon but I'm super desperate  :'(. I searched the forum for hours and couldn't find anything that's still applicable. I have 720+ credit score and I need $20k ASAP. Any help would be appreciated...

Thanx in advance

IIRC even if the APR is 0% there are still other significant fees associated with the CA.

I would recommend looking into getting a bank loan, why go through the credit card companies? Just a hunch, but I'm sure a bank loan would offer you a much better rate than borrowing from a cc...
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Offline sky121

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Re: 0% APR Cash Advance Card
« Reply #3 on: November 24, 2014, 10:10:23 AM »
There are offers for 0% APR for up to 18 months. That being said maybe someone on the forums can help you figure out a better way. Are you comfortable posting more details? If not maybe you can PM someone willing to listen and give you some other ideas of there are some.
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Offline ChaimMoskowitz

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Re: 0% APR Cash Advance Card
« Reply #4 on: November 24, 2014, 10:17:29 AM »
Lot of cards out there with 0% on purchases. Would buying GC's and then using them work for you?
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Offline JoeyShmoe

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Re: 0% APR Cash Advance Card
« Reply #5 on: November 24, 2014, 10:21:12 AM »
There are offers for 0% APR for up to 18 months. That being said maybe someone on the forums can help you figure out a better way. Are you comfortable posting more details? If not maybe you can PM someone willing to listen and give you some other ideas of there are some.

Thanx!! I don't mind paying the CA fee, all I need is no interest and no payment required for 12+ months. I don't want to get a bank loan since I'm planning on getting a mortgage in approximately 6 months and doing it with a CC won't hurt my chances. Is there are any other way I can do this? Thanx for trying to help

Lot of cards out there with 0% on purchases. Would buying GC's and then using them work for you?

I would need 40 $500 GCs not sure where I'd find them in the Lakewood area. Also, I need the cash, where would I be able to cash GCs?
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Offline yitzf

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Re: 0% APR Cash Advance Card
« Reply #6 on: November 24, 2014, 10:53:39 AM »
Thanx!! I don't mind paying the CA fee, all I need is no interest and no payment required for 12+ months. I don't want to get a bank loan since I'm planning on getting a mortgage in approximately 6 months and doing it with a CC won't hurt my chances. Is there are any other way I can do this? Thanx for trying to help

I would need 40 $500 GCs not sure where I'd find them in the Lakewood area. Also, I need the cash, where would I be able to cash GCs?

Are you sure that a CC with a 20k outstanding balance won't impact you mortgage?

Offline JoeyShmoe

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Re: 0% APR Cash Advance Card
« Reply #7 on: November 24, 2014, 11:01:03 AM »
Are you sure that a CC with a 20k outstanding balance won't impact you mortgage?

  • I plan on splitting it between my wife and myself, so it won't be that much on either of us (each of us have $20k+ revolving credit, with barely any utilization)
  • My guess is that having an open loan would be worse than outstanding CC balance
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Offline shmulyf15

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Re: 0% APR Cash Advance Card
« Reply #8 on: November 24, 2014, 11:03:24 AM »
The mortgage lender will ask for more income based on the minimum payment on the cc

Offline JoeyShmoe

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Re: 0% APR Cash Advance Card
« Reply #9 on: November 24, 2014, 11:11:48 AM »
The mortgage lender will ask for more income based on the minimum payment on the cc

I can come up with that, that's not a problem. My only problem is that I need to come up with money within the next few days, so I can't really play much
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Offline Novo

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Re: 0% APR Cash Advance Card
« Reply #10 on: November 24, 2014, 12:36:52 PM »
I can come up with that, that's not a problem. My only problem is that I need to come up with money within the next few days, so I can't really play much
I believe the Chase Slate would be best, you won't get hit with any fees.
Open one in your name and one in your spouses name and write yourself a check... Bingo!
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Offline JoeyShmoe

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Re: 0% APR Cash Advance Card
« Reply #11 on: November 24, 2014, 12:50:11 PM »
I believe the Chase Slate would be best, you won't get hit with any fees.
Open one in your name and one in your spouses name and write yourself a check... Bingo!

Thanx!!!

A couple of questions:
  • If I do it using 3bm, I might get more credit combined, correct?
  • Writing a check has no fee?
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