This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the Citi.
You can consider applying for the Citi Simplicity® Card (offer expired). The card offers 21 months of 0% interest.
Your credit limit will be determined by the credit card issuer based on your creditworthiness and credit score. People with good credit can usually get up to a $5,000 credit limit.
The minimum credit card payment will be determined by the credit card issuer, but if you want to pay the borrowed amount within the introductory period you should calculate the monthly payment based on the total amount you are planning to borrow and the amount of time the card has no interest.
The whole application process can take up to a month. Credit cards usually have lower rates than loans. Also, credit cards are revolving credit accounts, which means you can take as long as you want to pay it off as long as you make the minimum monthly payment.
Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.