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You can consider applying for the Citi Simplicity® Card - No Late Fees Ever
. The card offers 12 months of 0% interest on purchases and 21 months of 0% intro APR on balance transfers (when introductory period is over, an ongoing APR of 16.24% - 26.24%* (Variable) will apply), the balance transfer fee is 5% of each balance transfer; $5 minimum.
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 are revolving credit accounts, which means you can take as long as you want to pay it off your balance provided you make the minimum monthly payments on time.
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.