Money Tips: Credit Card with 0% APR Longer Than 12 Months?

Posted On: January 8, 2007

Guest: BigDog
Post subject: Credit Card with 0% APR Longer Than 12 Months?
Posted: Mon Jan 08, 2007 10:55 pm

On the look out for a 0% cards.

I know there are a few out there for 12 months at 0%, but are there card offers out there for longer than 12 months at 0%

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Mon Jan 08, 2007 10:59 pm

BigDog wrote:
On the look out for a 0% cards.

I know there are a few out there for 12 months at 0%, but are there card offers out there for longer than 12 months at 0%

NO FEE 0.00% BT’s are a dying breed

(especially longer than 12 months)

Also they have been going to massive fees

$75 is about the best you can get now

$90 and $250 and TOTALLY UNLIMITED are the new deals

This gives you the potential of getting a $1,000+ BT FEE

Guest: angelo21
Posted: Tue Jan 09, 2007 9:30 am

You may want to look into products from Citi, Amex and Chase. They offer 0% card for 12 months or more. They also carry no annual fee which is great. As for BT, Citi I believe offers a card with no fee for X amount of time.

I do agree with Mouse’s comment that they are a dying breed. If you find it and need it take it. You may not find it in the future.

Guest: hdporter
Credit Expert (100+ Posts)
Posted: Tue Jan 09, 2007 9:56 am

Quote:
I know there are a few out there for 12 months at 0%, but are there card offers out there for longer than 12 months at 0%

Both 0% offers and no fee offers are becoming scarce, as are offers extending more than 12 mo. For the most part, these are only available through invitation, pre-approved offers.

I just took advantage of a 15-mo 0%, no fee offer from Chase (Freedom Signature VISA). Earlier last year, I accepted an 18 mo. card from Chase - 0%, but carried a 3% bt fee, capped at $75.

Other than these, I haven’t seen any other > 12mo offers. On a cold app, I’m not sure there are any 0% no fee offers out there … and certainly none extending over 12 mo.

- Harry