Author Topic: Interest Free CC  (Read 2389 times)

Offline puddles

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Interest Free CC
« on: March 23, 2011, 08:32:55 PM »
Hi all,
i posted this before but have not gotten any responses and really need help!
i need to make a purchase and would like to get a no interest credit card for a yr or so to pay it off.
Can anyone tell me which one might be best?
are there any tips or suggestions for applying so i will get approved>?
Thanks!

Offline AsherO

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Re: Interest Free CC
« Reply #1 on: March 23, 2011, 08:37:40 PM »
Hi all,
i posted this before but have not gotten any responses and really need help!
i need to make a purchase and would like to get a no interest credit card for a yr or so to pay it off.
Can anyone tell me which one might be best?
are there any tips or suggestions for applying so i will get approved>?
Thanks!

Credit score?

Check out discover, I think they offer 0% 12 month balance transfers with a 3% fee.
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Offline smurf

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Re: Interest Free CC
« Reply #2 on: March 23, 2011, 08:39:13 PM »

Offline AsherO

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Re: Interest Free CC
« Reply #3 on: March 23, 2011, 08:42:35 PM »
https://creditcards.citi.com/credit-cards/citi-platinum-select-mastercard/
0% apr on purchases for 18 mos.

Looks like a good deal, and shouldn't be too hard to get approved. That was one of my first cards, I think I still have it...
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Offline puddles

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Re: Interest Free CC
« Reply #4 on: March 23, 2011, 08:50:17 PM »
thanks guys. last time i did it (when dan had the free deal, the "real score" i think it was 700. Maybe a bit higer give or take 10-20.. is that good?
Also, should i embellish a bit on my income? i could use a decent credit line. my current cards are
amex spg 14000
mastercard -12000
amex (that i dont use) 5000
does that info help

Offline Dan

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Re: Interest Free CC
« Reply #5 on: March 23, 2011, 09:11:02 PM »
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline Cholentfresser

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Re: Interest Free CC
« Reply #6 on: March 23, 2011, 09:54:09 PM »
I always thought that paying only the min. payments on cards is not good for your score. is that true?
In order to understand recursion, you first need to understand recursion.

Offline Dan

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Re: Interest Free CC
« Reply #7 on: March 23, 2011, 09:59:50 PM »
I always thought that paying only the min. payments on cards is not good for your score. is that true?
The only part it should affect is your credit utilization %
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline puddles

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Re: Interest Free CC
« Reply #8 on: March 23, 2011, 10:25:43 PM »
Thanks dan and everyone else! I'm not sure where the min payment came in..is there any point/miles I can get with that cc u posted?

Offline Cholentfresser

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Re: Interest Free CC
« Reply #9 on: March 23, 2011, 10:29:03 PM »
I guess I must've misunderstood u, I thought u wanted to pay only the min. balance instead of paying the full bill, what did u mean? not paying anything for 12 (or however many) months?
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Offline AsherO

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Offline puddles

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Re: Interest Free CC
« Reply #11 on: March 23, 2011, 10:45:02 PM »
@dan, thanks for the help the card looks awesome! if yo give me a specific link so you cna get some points for it id be more than happy to use that. Let me know

Offline AsherO

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Re: Interest Free CC
« Reply #12 on: March 23, 2011, 10:49:08 PM »
@dan, thanks for the help the card looks awesome! if yo give me a specific link so you cna get some points for it id be more than happy to use that. Let me know

The link Dan posted is the specific one:

Here is a Citi Platinum Select link with 21 months free APR and BT.
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