Is it possible to request a 0% APR on an existing credit card?

While opening a 0% APR recognition paper is simply a straightforward attack to accessing 0% introductory yearly percent complaint (APR) offers connected purchases oregon equilibrium transfers, it’s not the lone way. Depending connected the situation, you tin entree a 0% intro APR connection connected a paper you already have.

Yes, it’s possible. However, the astir communal mode to get a 0% APR connection is to get approved for a caller paper with an offer.

Still, immoderate recognition paper issuers connection 0% intro APR to existing cardholders. Depending connected your situation, this could beryllium much favorable than opening a caller recognition card. You’re ne'er guaranteed to beryllium approved for a caller recognition card, and opening a caller relationship could negatively interaction your recognition score.

There are typically 2 ways to person a 0% APR connection connected an existing recognition card.

You tin person a 0% APR connection from definite recognition paper issuers by being a liable cardholder. You mightiness spot an connection erstwhile you log successful to your online account, oregon your recognition paper institution could nonstop you an connection successful your email.

Here’s an illustration of an email connection I precocious received:

If you aren’t seeing immoderate offers successful your relationship oregon inbox, see calling your recognition paper institution oregon chatting with a lawsuit work typical to inquire astir offers. In general, it doesn’t wounded to inquire if you’re eligible for immoderate offers.

If you aren’t eligible for a 0% APR offer, inquire if there’s thing you tin bash to go eligible. Credit paper companies don’t advertise however to go eligible for these offers, but a affable lawsuit work typical mightiness beryllium capable to constituent you successful the close direction.

• Use your paper responsibly: Lenders mostly privation to spot their cardmembers actively utilizing recognition cards and paying them disconnected earlier offering peculiar promotions, specified arsenic a 0% APR offer.

• Improve your recognition score: Many 0% APR recognition cards and equilibrium transportation recognition cards necessitate a bully oregon fantabulous recognition people for approval. A bully FICO people is astatine slightest 670, truthful aiming for that oregon higher is simply a tenable goal.

• Keep your relationship open: In our experience, we didn’t commencement receiving low-interest offers connected existing accounts until we had been cardmembers for a while. In immoderate cases, it took years of liable paper use.

• Turn connected notifications: You typically person to opt successful to person notifications astir peculiar offers from your recognition paper company. Check the notification settings successful your relationship to spot if the applicable enactment is disposable and turned on.

• Check your account: When we log successful to assorted recognition paper accounts, we often person pop-up notifications astir peculiar offers. If you don’t often cheque your accounts, see making it portion of your routine. Note that pop-up notifications are lone 1 mode to spot an connection successful your account; you mightiness besides beryllium capable to browse disposable offers successful a peculiar conception of your dashboard.

If you aren’t eligible for a 0% APR connection connected an existing recognition card, see these fantabulous recognition paper offers with 0% intro APR periods.

Read our afloat Capital One VentureOne Rewards review

Read our afloat Chase Freedom Unlimited review

Read our afloat Amex Blue Cash Everyday review

Read our afloat Amex Blue Cash Preferred review

Yes, 0% APR recognition cards exist. These cards connection 0% introductory APR connected purchases oregon equilibrium transfers to caller cardholders for a constricted promotional period, often betwixt 12 to 18 months.

A 0% APR recognition paper provides a 0% introductory APR connection connected purchases oregon equilibrium transfers. Cardholders tin debar involvement charges connected purchases oregon equilibrium transfers during the introductory period, typically betwixt 12 to 18 months. This could beryllium utile for instances wherever you conscionable made a ample acquisition oregon privation to wage down high-interest indebtedness from different card.

A equilibrium transportation recognition paper is simply a benignant of 0% APR paper that doesn’t complaint involvement connected equilibrium transfers for a definite magnitude of time. You typically inactive person to wage a equilibrium transportation interest of 3% to 5% of the magnitude being transferred. Balance transportation offers tin beryllium utile for paying down recognition paper indebtedness portion avoiding precocious involvement rates.

You tin petition a 0% APR connection connected an existing paper by contacting your recognition paper issuer. Not each paper issuers supply these offers to existent cardholders, and your eligibility tin alteration depending connected your paper usage and relationship status. However, it doesn’t wounded to ask.

Yes, each Discover recognition cards let eligible cardholders to marque equilibrium transfers. Many Discover cards, including the Discover it® Cash Back and Discover it® Miles card, connection 0% introductory APR offers connected equilibrium transfers for a definite play of time.

Editorial Disclosure: The accusation successful this nonfiction has not been reviewed oregon approved by immoderate advertiser. All opinions beryllium solely to the Yahoo Finance and are not those of immoderate different entity. The details connected fiscal products, including paper rates and fees, are close arsenic of the people date. All products oregon services are presented without warranty. Check the bank’s website for the astir existent information. This tract doesn't see each presently disposable offers. Credit people unsocial does not warrant oregon connote support for immoderate fiscal product.