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Discussion Starter · #1 ·
0 % Credit Card Offers Coming Back?

In the past week, I have received 3 offers from Capital One CC with 0 % on purchases until September 2010.

I haven't received any for around 8-12 months until now.

Is this a sign of the Credit Card Banking Industry starting to loosen up the strings a little bit?

I am not going to get these, (Well, If They Were Balance Transfer Accounts I Would), but I just wanted to take the pulse of the Industry, So To Speak.

What offers have started to come forth to you recently?

Is that different than the past 8-12 months as in my case?

Ed





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Project Manager HFH..
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I have been getting no payments/no interest for 12 mo offers from HD...
 

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Discussion Starter · #3 ·
I have been getting no payments/no interest for 12 mo offers from HD...

Okay, I did forget to mention them and Lowes. Those never stopped, but what about direct credit card companies?

Ed
 

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Project Manager HFH..
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Okay, I did forget to mention them and Lowes. Those never stopped, but what about direct credit card companies?

Ed
Yes,we have been getting them also....
 

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They are still out there. In the last few months had 0% or 1-2% bt offers for a year or some offer 2 years from chase, citi, discover, and BoA.

One credit union I belong to has a really great deal, 2.99% for life with a very low bt fee, Penfed. I took them up on that one:clap:.

Edit to add Ed you should ditch crap one and broaden your credit horizons :p.
 

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Discussion Starter · #7 ·
They are still out there. In the last few months had 0% or 1-2% bt offers for a year or some offer 2 years from chase, citi, discover, and BoA.

One credit union I belong to has a really great deal, 2.99% for life with a very low bt fee, Penfed. I took them up on that one:clap:.

Edit to add Ed you should ditch crap one and broaden your credit horizons :p.
How does a person or company go about hooking up with a Credit Union?

I don't know much about them, since I have nor first hand experience.

Ed
 

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Jeff
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How does a person or company go about hooking up with a Credit Union?

I don't know much about them, since I have nor first hand experience.

Ed

Some of em you need to work for a particular local business like school district, factories. I think alot of em belonging to local chamber of commerce is good enough. And some all you have to do is open an account fill out some forms and put a minimum amount of money in to start, say $20.
 

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Fentoozler
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I've been getting offers like this lately:
- No interest, no payments if paid in full in 6 months
- No interest, no payments if paid in full in 12 months
- No interest, if paid in full in 18 months, minimum payments required
- No interest, if paid in full in 24 months, minimum payments required
- No interest, if paid in full in 36 months, minimum payments required
...the interest seems to balloon to 18% on default.
 

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Some anyone can join, most even if they have membership requirements you can find a group to join to qualify. I belong to 2 that let me join by spending $20-$30 to join groups.

The big thing is finding credit unions that have products you want, and will give them to you. All my local cu's are kinda crappy/stingy, so I looked around online for better cu's I could join.

People say they are a little friendlier and less likely to ratejack you than the big banks.
 
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