Citizens Bank - 0% Introductory APR on Purchases for 12 Months

Just diving into some credit insights that might pique your interest.

Recently, there’s been a lot of buzz about Citizens Bank and their generous lending practices this year, especially regarding their Business Credit Cards (BCC) and Business Lines of Credit (BLOC).

Here’s the scoop: Citizens Bank is offering a 0% introductory APR on purchases for the first 12 months after account opening. It’s a sweet deal for anyone looking to make significant purchases or investments without the immediate burden of interest rates.

From my connections, I've seen quite a few approvals flying around, and they’ve been pulling from Experian lately—switching up from Equifax. (Depends on your State) Not sure if that makes a difference in different states, but it’s something to keep in mind.

And a quick heads up for anyone confused by the name 'Citizens Bank'—there’s a bit of a mix-up with another smaller bank of the same name that was taken over by the government in Iowa. But no worries, we’re talking about the big player here, not the small fry. I made sure to check the addresses and websites just to be clear. It’s funny how many banks share the same name, right?

So, what’s your take on this? Has anyone jumped on this 0% APR deal yet? Also, any insights on whether these approvals are specifically for BCC or BLOC? I’m curious and considering whether to try filing as a foreign entity in a state they serve if needed.

Looking forward to hearing your thoughts or any experiences you’ve had with Citizens Bank!

Catch you in the comments!

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