0% APR Questionnaire

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Kindly answer all 12 questions. It should take you about 2 - 3 minutes. Thanks!

Which describes you best? I'm a:

Baby boomer

Generation X

Older Millenial

Younger Millenial

Clear selection

Whenever you apply for a 0% APR credit card (whether that’s a 0% on balance transfers or on purchases), is getting approved quickly important to you?

Yes

Clear selection

Would you pay a small fee to get an instant approval for a new 0% APR once the old promotion expired? (assuming you have the credit score.)

Yes

Maybe

Clear selection

What’s the main reason why you look for a 0% APR on purchases?

To finance a large purchase or expense I will have soon

I want to be prepared in case I need to finance a large unexpected purchase or expense

I want to manage my cash flow and need to have the flexibility to carry a balance generated by new purchases without paying interest

Not applicable to me

Other:

Clear selection

If you answered “to finance a large purchase…,” above, what’s the typical purchase amount?

More than $1,000

Less than $1,000

Less than $750

Not applicable to me

Clear selection

How often do you apply for a new 0% APR promotion on purchases (or balance transfers)?

Often: More than once a year.

Seldom: Once every year or two.

Very infrequently

Clear selection

When your prior 0% APR promotion was close to expiring, you:

Applied for a new promotion

Paid off your balance with cash

Paid off your balance with a loan

Carried the balance for a while and then looked for a new promotion

Not applicable to me

Clear selection

If you answered “applied for a new promotion” above, is there anything you don’t like or find frustrating about having to apply for a new 0% APR promotion?

Do you carry credit card balances from time to time (even if it's not at a 0% APR?)

Sometimes

Never

Clear selection

While both are important, which of the following two do you value more in a 0% APR promotion?

The amount you can finance at 0%

The length of the 0% promotional period

Clear selection

If you could use reward points to increase the amount you can finance purchases at 0%, would you?

Yes

Clear selection

If you could use reward points to extend the promotional period you can finance purchases at 0%, would you?

Yes

Clear selection

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