0 Apr Credit Cards

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0% APR credit card for 6 months, will I get a credit hit?
This could be easy and obvious, but if I don& 039 t pay a cent until my 6 months is up, will I be taking any sort of credit hit?Also, I want to build my credit, would paying off the card every month help to establish good credit? Or does it not matter if I have 0%APR for 6 months?Thanks

Student loans transfer to 0% APR Credit Card?
I have some student loans. I plan to transfer it to my credit card that offer 0% APR in 12 months. Would this be a wise decision or not? I will repay it within the 12 months. That way there will be no interest on my part. However, will this affect my tax refunds, such as decreasing my refunds. Last year I had a huge refund, which I think is due to the student loans that I am paying. Thank you for your educated input

When can I transfer to 0% APR credit cards (read details of my credit card bills)?
I know my credit is nowhere close enough to do a 0% APR balance transfer...so... tell me when you think I& 039 ll have good enough credit...Here are the details...I used to have 8 credit cards, now I only have 5. I closed my Macy& 039 s and JCPenney and Mervyn& 039 s ones recently after I paid them off in full . This month, I am going to pay off and close my Old Navy credit card, so I will only have 4 credit cards and here are the details of them....Chevron $2,500 credit line.... I basically have it almost to the top each month..like $2,490 by the time I pay it each monthShell $180 credit line..same deal, almost to the top each monthBank of America $7,500 credit line, almost to the top each monthCapital One $2,650 credit line, every month it& 039 s like $2,750 it& 039 s been & 039 over& 039 for the past year, even though I never use it cuz I only pay the minimum cuz that& 039 s all I could afford so it& 039 s constantly & 039 over& 039 the limit. ..I am working on getting a better job so I can start paying them down, but for & 039 good credit& 039 or & 039 good enough that you can transfer your credit cards to 0%APR balance transfers,& 039 how much of my current debt do i have to have paid off so that I can qualify for those 0% balance transfers? Which will help me out even more so I can have like no interest for a year on credit cards

Does not paying off the full amount on a 0% APR credit card negatively impact my score?
I just got a credit card with 0% APR for the first year. I only have 1 other credit card which I pay off in full every month. If I make at least the minimum payments on the 0% APR card and make sure the balance is paid off completely before the end of the year, will my credit score be negatively effected?

0% apr credit cards???
i ahve 23 k of debt spread across many cards and would like to get a 0% apr card and start paying off the rest of the crads in full, then just paying a large payment on the interest free card every month. has anyone ever used a 0% apr card. are there any suprises? after the 12 month 0% period can i use another 0% apor card from another company? i plan on paying a 1000 a month, so my goal would to be done in 23 months if you get what i am saying. thanks.i was online chatting with chase and citibank al night and they said it is 0% for the 1st 12 months. after that it goes up, but could i just apply for a second 0% from another company say after the 11th month of the first.0% on balance transfers and any purchases for 12 months

Does cash advance on 0% APR credit card build your credit history?
If you apply for a credit card and use cash advance option to utilize 0% APR option for given time will that be posted to you credit history like a trade line means if its treated as loan. Infact now i only have 2 lines of credit i.e. 2 credit cards and trying to build more history but at the same time i would like to avoid more credit cards.Sorry its not cash advance but 0% APR.I mean here not cash advance but 0% purchase APR.

Pay off loan with 0% apr credit card?
i want to pay my personal loans last 3000 dollars on a 0% apr credit card i just got. is this possbile? when im looking at my banks website it looks like i can only transfer the loan payment with cash from either my savings or checking acct.i just thought of this as im typing, can i use the full acct number for the loan and setup a loan payment on my CC website? hmmm im gonna look into this right nowresponses pleeease

Are those 0% APR credit cards for real?
I got a credit card offer in the mail from Master Card saying I can get 0% APR on all transfered balances for 15 months. I want to transfer 2 credit card balances on this card. Are there any secrets I dont& 039 know or fees that I& 039 m not aware of. Because to my understanding, that means I& 039 ll have a flat balance with no interest on it, so I just pay on the balance, no interest. Is that right?

How will an intro 0% apr credit card affect my credit score?
I have just activated a new credit card that has an intro apr of 0% for the first 6 months. If I were to purchase something and only make the minimum payments for 5 months, then turn around and pay it off in full before the 6 month period, would it negatively affect my credit score for allowing the card to carry a balance?I have a credit score around 770 at the moment. I have always paid my balances in full every month, but have never had the option for 0% apr until now.ThanksI currently have 2 cards including this new one.

0% APR credit card question?
I& 039 m new to the whole credit card deal, looking for a little guidance If I were to get a credit card with 0% APR until January 2011, would I be able to buy, say, a $700 TV right now and as long as I pay it off by January 2011 be all good?Thanks

How does a new 0% APR credit card effect my credit score?
I have some debt on my zero APR credit card not much, and I am getting a lot of 0 APR card offers, I am thinking of transfer my balance from my card to a new 0 APR credit card. My score is i believe somewhere around 750 800. How will it effect to get a new card?My 0%APR period is expiring soon, I can close the account by paying it, but it does not affect my score too much I can move to another offer.