The post office are currently offering there Platinum Credit card with a very low 0.79% transfer free on balance transfers. The balance transfer is available at 0% for 18 months.
Grab £25.25 cashback via TCB on applications.
Note...A low 0.79% balance transfer fee, with 0% on balance transfers for 18 months
An initial 2.98% fee applies, but we'll reduce this to 0.79% by a refund to your Post Office Money Platinum Account within 90 days of the balance transfer transaction date
Balance transfers must be made within 3 months of account opening
No fees on any purchases you make overseas
0% on all purchases for the first three months
No annual fee.
All comments (45)
neilied
25 Feb 15#1
Good low rate heat
MRPRO_MO2012 to neilied
25 Feb 15#3
Agreed, not bad at all for 18 month at that rate
Heat from me! :sunglasses:
bruceboy
25 Feb 151#2
Quidco £27.50 cashback.
£3500 balance transfer for nought basically, with the cashback.
JohnnyUtah
25 Feb 15#4
"we'll reduce this to 0.79% by a refund to your Post Office Money Platinum Account within 90 days of the balance transfer transaction date"
Does this mean you have to have a bank account with them?
bruceboy to JohnnyUtah
25 Feb 151#5
It should be refunded to your 'Platinum Account Credit Card'. Did this before with Halifax, and they did likewise.
Slash
25 Feb 15#6
Got this for travels. Its a good free card. But their customer service is non assistance. You have to mail in a signed form to set up a direct debit payment and it took months of messing about. They said they didn't receive the first 2 forms that I sent and only after I sent a complaint letter did they finally set it up the 3rd signed direct debit form.
masliya
25 Feb 15#7
Good card for using abroad as you'd get the same rates as post office charge when you want to exchange money. Regarding customer service; they're not the best but do their job after a few phone call :smiley:
salsheikh
25 Feb 15#8
shame you cant transfer balances for more than 1 card on it - in the initial application
Evil Noodle
25 Feb 15#9
quidco cash back is for the matched credit card not this one ..... ??
ellis2009 to Evil Noodle
25 Feb 15#10
Comment
TCB offers £25.25 for this card
bruceboy to Evil Noodle
25 Feb 15#20
EXCLUSIVE
Expires: 28 Feb
Earn
£27.50
cashback
Find the card that's right for you with the Post Office Credit Cards, get either a matched or Platinum card and get £27.50 cashback (Terms and conditions)
m5rcc
25 Feb 15#11
Poor eligibility from what I gather....
vulcan903
25 Feb 151#12
from Quidco "Find the card that's right for you with the Post Office Credit Cards, get either a matched or Platinum card and get £27.50 cashback"
RogerN
25 Feb 15#13
Previously applied for this card via TCB. Heard nothing from credit card people subsequently and obviously nowt from TCB.
schnide to RogerN
25 Feb 15#16
I had to chase.. and chase.. and chase for mine. Eventually got my £40 but I wasn't impressed with needing to hunt it down and how long it took. Not the slickest operation all round.
X10
25 Feb 15#14
Does the 18 months balance transfer period start from when you open the account or from when you transfer the balance? e.g. If you transfer after the 2nd month and get 18 months you would not need to pay back until 20 months after opening the account?
Thanks!
WillieGophar to X10
25 Feb 15#17
It depends on the card provider. When I've taken offers like this in the past, they have stated "transfer within 30 days of account opening" or "for balance transfers completed by dd/mm/yy" or similar.
Hope that helps!
schnide
25 Feb 15#15
I love the fact that my Post Office Mastercard allows purchases abroad with low conversion rates and no conversion fee.
However, their website is complete and utter bobbins. It literally doesn't even work sometimes even when you're logged in. Definitely the worst online financial site I've ever used, including the early days of online banking.
Supposedly there are plans to improve it, but no signs yet.
Turquoise
25 Feb 15#18
I took out a Lloyds one in December offering 28 months interest free for balances transferred within 90 days. I did a transfer yesterday and checked this point - apparently with them the 28 months is from the date the account is opened, not the date of the transfer.
DennisG
25 Feb 15#19
i was rejected by this last summer despite having a stellar credit rating - only thing I've been knocked back for anything in years including a mortgage
ordered my credit report from experian (which i do so annually) and it didn't have any blips or areas of concern
ended up going with barclaycard instead which was approved with no problems
PFC Hudson to DennisG
25 Feb 15#28
I've just been refused too and I haven't been refused any credit in over 8 years
No point offering great deals on your card Post Office if hardly anyone will be accepted
black knight to DennisG
25 Feb 15#34
Please post up your most recent report
STi_prodrive
25 Feb 15#21
I never understand these things regarding blanace transfers and blah blah blah
gbmcginty to STi_prodrive
25 Feb 15#22
How many credit cards do you have?
PFC Hudson to STi_prodrive
25 Feb 151#30
Really?
OK then, say you have £500 on credit card 'A' and you don't pay it off in full each month, you'll be accruing interest each month
You apply for and are accepted for card 'B' so you transfer the £500 from card 'A' to 'B' and are only charged a small percentage (transfer fee), you then get X many months to pay off that £500 and you'll no longer be accruing interest each month (During the 0% period)
black knight to STi_prodrive
25 Feb 15#35
You should really avoid credit cards, loans and mortgages.
a1b2
25 Feb 15#23
Bank of Scotland 10/10 charges only 0.4% fees on balance transfer, although 0% is for only 10 months.
malachi
25 Feb 15#24
Applied for this on Monday, tcb hasn't tracked yet but I see in 7 days.
tom6195
25 Feb 15#25
I already have a platinum post office credit card opened 2 years ago. Can I close it and open a new matched one?
Vatman95
25 Feb 15#26
Don't hold your breath as they refused to honour my TBC claim for £50 for a previous offer. Not to be trusted.
mattmerch
25 Feb 15#27
got £50 thru quidco for this card couple years back
good cartd for overseas spend
but agree cs very poor
Evil Noodle
25 Feb 15#29
yes I saw that in the heading but someone else posted about quidco but its not for this card on quidco I was just letting people know.
Evil Noodle
25 Feb 15#31
I have checked on my phone and all I see is £27.50 on a matched credit card I have a screen shot but cant use them on here.
PFC Hudson
25 Feb 15#32
This is on the right hand pane of the Post Office Credit Card Quidco page:
Voucher codes & offers
EXCLUSIVEExpires: 28 Feb
Earn
£27.50
cashback
Find the card that's right for you with the Post Office Credit Cards, get either a matched or Platinum card and get £27.50 cashback (Terms and conditions)
Get cashback
Aaurora
25 Feb 15#33
My boyf applied for this and he has to send a collection of information back to them before they will give him an answer - utility bills and the such - had to wait 2 weeks for that letter and now is going to take more time in sorting all the required information.
RogerN to Aaurora
25 Feb 15#41
and that is how they always get out of paying quidco / TCB .... "application not completed online"......
DennisG
25 Feb 15#36
Are you asking my to post up my credit report? I'd rather not share such personal info on such a public site.
bruceboy
25 Feb 15#37
The above is a direct quote from Quidco website!!
bruceboy
25 Feb 15#38
Strange. I got accepted instantly. Maybe being Scottish they know I am canny with my cash. :stuck_out_tongue:
theeran
25 Feb 15#39
Try Santander 123 credit card @ 23 months 0% on balances & purchases also a ongoing offer on that card is
Cashback
You can earn:
1% cashback at all major supermarkets
2% cashback at all major department stores
3% cashback at all major petrol stations, and on National Rail and Transport for London travel (on combined spend of up to £300 a month)
In addition switch to a 123 current account and get £24 annual fee on credit card refunded for the first year by paying direct debit from that account.
jcluk
25 Feb 15#40
Great card for abroad as mentioned and agree that their online banking is awful. It works....just. There's even a limit on the transactions it can show so you have to wait for your printed statement to check.
Balance transfer element is only hot if you actually pay off your debt. Sometimes moving it to 0% for a while stops you from tackling the main problem - spending more than you can afford and carrying the risk that debt brings.
Dave777
26 Feb 15#42
So slow and very poor customer service. Having to complain now.
mwb1
26 Feb 15#43
Just to point out, this deal may have expired but you can go on quid co and check out other CC's and see what offers are on- subject to eligibility-I managed to get a fee free BT with cash back for opening a tesco CC..
luvadealme
26 May 15#44
is this a good card to use when buying stuff on amazon.es for example?
habshihalva
6 May 16#45
Also add 331406 as Post Office code or leaflet code
![Fresh Breakfast Meat Box (Using code) @ Campbells Meat [Haggis / Lorne Sausage / Bacon / Black Pudding & More]](/images/topics/208684_1.jpg)
![[Xbox One] Q. u. b. e: Director's Cut on Deals with Gold](/images/topics/208716_1.jpg)
Opening post
The post office are currently offering there Platinum Credit card with a very low 0.79% transfer free on balance transfers. The balance transfer is available at 0% for 18 months.
Grab £25.25 cashback via TCB on applications.
Note...A low 0.79% balance transfer fee, with 0% on balance transfers for 18 months
An initial 2.98% fee applies, but we'll reduce this to 0.79% by a refund to your Post Office Money Platinum Account within 90 days of the balance transfer transaction date
Balance transfers must be made within 3 months of account opening
No fees on any purchases you make overseas
0% on all purchases for the first three months
No annual fee.
All comments (45)
Heat from me! :sunglasses:
£3500 balance transfer for nought basically, with the cashback.
Does this mean you have to have a bank account with them?
TCB offers £25.25 for this card
Expires: 28 Feb
Earn
£27.50
cashback
Find the card that's right for you with the Post Office Credit Cards, get either a matched or Platinum card and get £27.50 cashback (Terms and conditions)
Thanks!
Hope that helps!
However, their website is complete and utter bobbins. It literally doesn't even work sometimes even when you're logged in. Definitely the worst online financial site I've ever used, including the early days of online banking.
Supposedly there are plans to improve it, but no signs yet.
ordered my credit report from experian (which i do so annually) and it didn't have any blips or areas of concern
ended up going with barclaycard instead which was approved with no problems
No point offering great deals on your card Post Office if hardly anyone will be accepted
OK then, say you have £500 on credit card 'A' and you don't pay it off in full each month, you'll be accruing interest each month
You apply for and are accepted for card 'B' so you transfer the £500 from card 'A' to 'B' and are only charged a small percentage (transfer fee), you then get X many months to pay off that £500 and you'll no longer be accruing interest each month (During the 0% period)
good cartd for overseas spend
but agree cs very poor
Voucher codes & offers
EXCLUSIVEExpires: 28 Feb
Earn
£27.50
cashback
Find the card that's right for you with the Post Office Credit Cards, get either a matched or Platinum card and get £27.50 cashback (Terms and conditions)
Get cashback
Cashback
You can earn:
1% cashback at all major supermarkets
2% cashback at all major department stores
3% cashback at all major petrol stations, and on National Rail and Transport for London travel (on combined spend of up to £300 a month)
In addition switch to a 123 current account and get £24 annual fee on credit card refunded for the first year by paying direct debit from that account.
Balance transfer element is only hot if you actually pay off your debt. Sometimes moving it to 0% for a while stops you from tackling the main problem - spending more than you can afford and carrying the risk that debt brings.