0% APR Cards

Was declined for ink cash. ( too many new chase cards in too short time)
Could you recommend a different 0 APR business card please?
Have used your cc links successfully 10 times this year 🙂

The fee-free barclays arrival also has… http://www.dansdeals.com/go/BarclayArrivalNoFee/

@rachel:
Did you try offering to close another card to get it approved?

@jack:
Indeed, I had looked at the regular version of the card, but that one got rid of the 0% offer already,

Transfers are counted as spending?? To make it a little clearer if I transfer $3000 will I get the bonus sign up miles??

Could I transfer my credit limit from all my chase personal cards to slate? And get a lump sum loan free for a year?

@Sam:
No.

@Nachman:
Generally speaking balances can only be transferred from cards held by a different bank.

@dan

you bet I hucad a few times saying I don’t need more credit just shift credit from other cards.
I went to your seminars and really learned a lot
was approved for 6 ink and my husband 3 ink this year only
But this time huca didn’t work. 🙁

Hey Dan can you write about or did you ever write about… Getting a credit card with zero credit score??

@Anonymous:
Happy to hear the seminars were good for you, sometimes I wonder if they’re worth the effort.
Seems like you’ve done well enough this year…time to take a little breather.

@No credit man:
I talk about that in seminars, but somewhat on topic:
http://www.dansdeals.com/archives/41582
http://www.dansdeals.com/archives/23410

Dan,

It is my understanding that if you use the balance transfer option, if you then spend money on the card you will incur finance charges. For example, if you use the Ink card for a balance transfer, and then spend the $5,000 to get the points, you will be billed finance charges for that. Is this correct?

Also, a 0% APR credit card can come in handy when you have a large expense to pay, but don’t have the cash available at the moment. For example, when you buy a home, it can be used as part of the downpayment or to pay for immediate expenses such as furniture and home improvement. It can also be a lifesaver when you have to make a Simcha or need to pay tuition. Obviously, we are talking about paying it in full before the 12-15 month term is over.

@Dan: Slate does not send balance transfer checks? and if I have someone who carries large large balances, could it be done? do they allow credit limit transfers to the slate?

Hi Dan, searched all around the DDF and cant find an answer: all the Chase Ink talk has been about Staples Visa prepaid 200 cards and evolve, I was in a store today with plenty $200 mastercards available. Is there any reason the mastercards wouldn’t be as good of an option as the Visas?

Thanks!

@Dan

Hello. I have a question to your reply of Nachman. I want to transfer from my Chase Sapphire Preferred to the Slate. Are you saying this can’t be done?

If anyone is going to use 0% APR please don’t even think of a balance transfer. It’s very very easy to go to places like 7-11, Walgreens and Rite Aid and buy Paypal Cash cards. Essentially you charge the cash card to the credit card and use the cash from the paypal card to pay off the old card all while generating points and hitting spending bonuses. Don’t even pay a 3% transfer fee.

FYI, you can also use a credit card to buy a car from a dealership which I’ve done to avoid taking out a car loan.

Currently the Chase freedom offers a 20,000 signup bonus, in addition to it’s 0% for 15 months

@Mark:

Mark, are you for real? If you need cash for 30 days, your (obvious) suggestion may work, but what if you need the cash for 12 months?

Do you think people doing balance transfers are doing it for 30 days?

@Huh?: Mark is on the mark. If the card has 0% APR on purchases for 12 months or more, that would do the trick. Only minimum payments will need to be made each month.

hey dan i wanna open chase ink but by the bussniess options it doesnt say “Sole Proprietorship” what do i write? and do i write Sole Proprietorship after my name in the business name line? thanks

Rachel: how many chase card within how many months… I have chase amazon & free that I got more 7-10 months ago thats why i’m hesitant to give the chas ink cash a try…

Thanks

@Huh I used this to successfully to transfer $5,000 left over on a 12 month 0% apr to an 18 month 0% apr with citi all while generating points and hitting a 2k threshold for 20,000 thank you points. What you’re obviously misunderstanding is that you should buy the gift cards with the 0% apr and paypal gives you cash so you can avoid bluebird and evolve (I’ve never had much luck finding vanillas).

The only real risk is to never ever miss a credit card payment. But I guess the same could be said for any loan payment.

Freedom is temporarily bumped to $200 sign on bonus.

hey dan i wanna open chase ink but by the bussniess options it doesnt say “Sole Proprietorship” what do i write? and do i write Sole Proprietorship after my name in the business name line? thanks

do i write “other” or “retail”

Any Citi cards?

Hi Dan,

Do u know the phone # for the Chase Slate card? I applied for one Sat nite but now realize I may not get approval or get my balance transfer paid by June 10, when my cred card bill is due from another bank. If that is the case I want to cancel my application and save it for another time. I don’t want Chase to pay my bill late or AFTER I have already paid it.

Thx
443-683-7918

Dan, excuse my amaratzus here but since i already have a slate chase visa from many years ago, would they let me open another one (in the interest in avoiding any balance transfer fee)?
Thanks

I have a problem with chase in general and need an alternative option for business card with 0% balance tranfers.

ANy ideas

Theres a new card called Citi Double Cash, heard of it? I got on offer for 18 months 0% APR with 1% cash back when you buy and another 1% cash back when you pay it

Is there a card that has 0% apr on cash advances?