Before applying, run your application through https://creditcards.moneysavingexpert.com/?purchases

I just did... and I got 0% chance of acceptance for this card.

Worth using a soft search to avoid a dent in your credit rating.

http://www.cardcosts.org.uk

That's all.

I understand the point you're making, but a LOT of people don't "use the card correctly" and people should consider the consequences of that.

Can you use it for stoozing?

Also add 331406 as Post Office code or leaflet code

Yup, although not a tough act to follow :laughing:

Much better than the previous version.

Good to see they're offering a new online banking site to replace the web 1.0 version! :stuck_out_tongue: You do have to re-register for it - https://postoffice.creditcardservicing.com/POL_Consumer/InitEnrollAccount.do

Beyond my post above, when you actually purchase online it's very clear, as one of the card options is 'Post Office Credit Card', which shows a zero fee, like using a debit card. There's also £3.03 cashback at Topcashback at the moment, minimum spend I believe is ~£400.

Maybe to partly confirm/answer my own Q:


http://www.postoffice.co.uk/credit-card/faqs

^^ Eh, never heard of that! Have you confirmed with them on the phone?

Only thing I don't like, I've set up my direct debit to be£75 pm and the minimum payment each month should be 2.5% of the balance (I think), yet when u get ur statement shows minimum payment £75!!!!

I pretty much did the same, setup the DD just as soon as I had access online.
Only after I called PO on the 3rd did they correctly setup the DD (now shows via my Barclays banking site as 'Bank of Ireland card services').

^^ I thought, well, I know I did, set up a DD through the Post Office site pretty much as soon as I was granted access to it, however upon checking it appears I didn't. So I set one up again. Then, a few days back I checked online and there was no record of it! I've rung them now and they had no record of anything being set up, so my advice to check with them over the phone and not assume that it's already been saved.

As others have site, the PO site for credit cards is truly shocking :confused:

At least they setup your direct debit correctly. Had a letter dated 31st July that the DD was setup. Jump ahead to 30th Sept when it was supposed to be taken, my online banking (Barclays) shows it paid and recalled (marked unpaid). Quick call to Barclays and they tell me that PO never sent the mandate for the DD. Called up PO and they have supposedly setup the DD again but I'm still awaiting a letter to confirm there muck up and that I don't loose the 0% offer on the card due to the DD failing.

Has anyone used the card for travel money from the Post Office yet? Am I right to understand there's NO charges associated with doing this (e.g. not seen as a cash advance (with normal interest rates), plus no type of conversion fee etc)? Sounds too good(?)

I've not received written confirmation. Also, had a bum twitcher when it came to my first direct debit payment. What ever amount u set up as dd will become ur minimum payment!!! Also, payment to be received by 22nd but turns out they call for the money on the 22nd so didn't clear until the 24th. Really weird set up post office is

I've just received my Matched Credit card and I can confirm that none of the paperwork, or PDF's provided during the application mention the promotional offer of 25 months (it only mentions 16 months). I rang the customer services line and I've had verbal confirmation that if I make a purchase or balance transfer in the first 3 months I will receive written confirmation, in the post, that the offer has been extended to 25 months.

I tried to apply for this only to be rejected. I have a perfect 999 Experian Credit score with a Mortgage and car loan. Confused to why I was to be honest.

applied for it. cheers

No idea but the online part of this is do prehistoric and the worst online service I've ever used

Anyone know if you can switch to online statements only with this account?

Mine certainly isn't.


When I called to make a manual payment for my first month, I asked the Customer Services rep and they could confirm the last date of my interest free period (it was 25 months for me as expected). Note - you must make a purchase in your first month to activate this, but I'd definitely follow up with them on the phone to confirm.

Hi guys,

A couple of questions now I have my card...

Is it contactless? The literature suggests it is but I can't see the contactless logo on the card itself. Secondly, how do you know for sure that the card is 25 months on purchases and not 16, do you get any notification after your first purchase or is there any kind of indication on your online account?

Thanks.

Don't get me wrong, I agree with the advice and have always followed it in the past. My online banking lets me see that this DD has already been setup though. I'll monitor at the time and call them to make a manual payment on the day should it fail. I would think as a new customer and with the situation explained they'd waive any fee if spoken to on the day.....maybe a test though, just my personal approach, not a recommendation.

I've always been advised by any card company to make the first month payment as the DD will not be active until the second billing month. To be honest, active or not, it's safer to make the minimum payment manually to make sure you keep the 0% offer.

Setup seems to have been pretty quick for my DD (<1 week). Shows as "BANK OF IRELAND CR CARD SERVICES"

Just remember to setup a direct debit to pay the minimum (at the very least) and make a manual minimum payment for the first month (as direct debits are usually only ready of the second month billing). If you miss a payment/don't make the minimum for the month then you will lose the 0% interest free offer!

I went with a Virgin one in the end with 24 months on purchases because it had a higher acceptance rate. They've given me a limit of £2000 to start with, not bad. :smiley:

You won't know and nobody other than the company you're applying to will know until they process a request.

Silly question but I'm new to credit cards.... How do you know what the limit will be on your card before getting it? Like I need a certain amount otherwise it's pointless applying. Thanks.

I had this so called them and I had an application in the post. My missus done it and it worked online.

Can anyone tell me if they had email confirmation after a successful application? I had a successful application but my pages session timed out before I could hit the final submit button...

TCB has tracked though!

Thanks.

You will need to make a manual payment first month as the direct debit is usually only ready for the second month.

​Cheers just wanted some confirmation just Incase I was getting into something stupid but seems like a pretty good deal to me! well if you do it sensibly

​yes you have it in one :smiley: just make sure you pay off any remaining balance before the end of the promotional period otherwise interest will be chargeable :wink:

Correct bud. Waited quite a bit for online details but easy to set up a direct debit.

quite young and new to credit but not stupid with money can someone just clarify if I was to buy a new laptop and set up a direct debit for the minimum payment or about £30 a month there will be no interest charged for the 16 or 25 months of having it

You do understand what 'interest free' means don't you?

I called them and asked what the 0% interest term and they said 25mths without me querying

Anyone seeing confirmation of the 25 months on their account after having made a purchase?

My bad, just seen it on their website :smiley:

No I have not made a purchase yet but I'm just wondering where the information came from as I have not read anything about the 25 months on any of the documentation that I have received so far? After I make a purchase will they send me new terms to clarify the 0% term has increased?

I just called them as my letter only said 16 months 0%. I was told that you had to do a balance transfer in the first 3 months in order to get the 25 months 0% on purchases. I said that didn't sound right and wouldn't I qualify if I made a purchase in the first 3 months. They insisted it had to be a balance transfer. Anyone else been told this?

Applied for this and it was a simple as filling the application online. The decision was quick and the card and pin arrived within the week. I am planning to make a purchase in the next month or two so 25 months is a long time to pay of £200-300. I saved up most of the money for a new tv but will purchase using this (so i am covered if anything goes wrong). Its handy for the deals which show up on here and go pretty quick. Thanks op.

EXACTLY! they subsidise the others.

Interesting. Why is that? That huge APR if you can't pay?

has anyone actually got conformation of the 25 months 0% yet?

​If you read the top comments about making a purchase within 3 months to qualify for 25 months. :smiley:

Thanks cliosport65, have some more heat :smiley:

I only got 16 months 0%, but a decent 5k limit. I've always used cashback credit cards and settled in full each month in the past. Cashback rates are a bit rubbish these days though, stoozing seems to be the better option now! The bonus £25/£30 from quidco will come in handy too :smile:

Card came today, just waiting for pin then off to by my new road bike

Amex are actually the easiest to get. (I've worked in finance for 20 years)

It's not exactly 25 months interest free, a minimum payment has to be made each month. If this is late or not paid then one reverts to the declared rate of interest. approx. 18-20%

Sorry but I have another newbie question...Never had a credit card before but I've been looking for one with 0% purchases but also good for spending abroad as I'm going to America again next year. I'd only like to get one credit card so would this be my best option?

Just applied to replace my Barclaycard (with no offers when cancelling!!) and accepted.

What's the max purchase in this card, could I use it to help fund a car purchase

Received my card yesterday. Turn around was 3 days. Very impressive

No reason given just instant refusal. I have an Amex and I always thought they were one of the tougher cards to get. I'm thinking maybe because I moved house in May ....

Card arrived today. Just awaiting the pin :smiley:

Should probably add that I wouldn't be looking for cash withdrawals abroad, only spending.

Worth a look for sure. Heat from me thanks :smiley:

Applied for this fee free post office card instead but got a limit of £1k and it only lets you balance transfer £200 less than your limit so pretty rubbish for stoozing http://www.postoffice.co.uk/credit-card/platinum.

do they do credit check when applying for this?

Can you apply for he card to get the cashback and not use it? My missus just got it through tcb, and in waiting for them ton sort an error out and I had it tracked through quidco

I went for the Virgin Money Card that has 24 months on purchases I was given a limit of £7000 - what can I deduce from that as to my credit rating?

​cashback rejected or tracked are 2 different things, it might be worth getting the facts straight first :laughing:

I was instantly declined despite high salary, being on the electoral roll and having a full uk address history....

Applied early after this was posted, accepted and cashback tracked. Vatman95 does this mean I have to set you to 'ignore'? :smile:

So do love those users who spout tripe!!

me too.

​Cashback is never guaranteed anyway plus it may take a little while to track :confused:[/quote
That's two members who have applied for the card and had their cash back claims rejected. The cash back is not guaranteed line is of cold comfort. It all smacks of cheap marketing ploy by the Post Office to get new customers, well Post Office it has most certainly backfired. Don't chase after fools gold community give this deal a wide berth.

Thanks OP, TCB tracked instantly

DO NOT USE THIS COMPANY. Fraudsters. No customer service whatsoever.

I have a complaint to make against these jokers if anybody could assist. I had £500 sat in my account after they took my payment twice. I requested the £500 credit to be sent back to my bank account and they couldn't do this but advised me over the phone it's free to withdraw the £500 surplus using a free bank atm. So I used a nationwide atm to withdraw the £500 therefore leaving my balance at £0... and they charged me a fiver for withdrawing. Despite advising me it's free to withdraw. Then they charged interest on that! I've complained the only way to complain to them which was their fscustomercomplaint email address. Got an email back "it's being investigated" . That was 4 weeks ago! I've sent 3 follow up emails demanding they listen to the call recording they'll have of the BS advice they gave me and requested a refund. Theyve simply ignored me. I've requested 3 times they disclose information on how to close my account with them, they refuse to release this information.

Who can I escalate this complaint to?

Thanks OP. Got accepted for mine at £2,500 + TCB has tracked at £26.25! Will be using it for purchases only

im sure i will be declined. i have a very poor credit score and am looking for ways to improve it.

To confirm again (a lot of posts since first advised) spoke to customer services, you sign up online for 16mths and as a promotion make a purchase within 3mths u automatically get extended to 25mths as an online promotion.

Anyone assist? Hopefully get a new one sorted for this week!

Covered in the OP I think....

lso offers 0% on balance transfers for 16 months. 2.98% balance transfer fee applies. Balance transfers must be made within three months of account opening.

Thanks guys, it timed out when I had the accepted notification. A little concerned about only saying 16mths so will ring them in a bit but it timed out and had an error message. Would I be able to apply again?

Never used cashback sites, can I be cheeky and use both tcb and quidco?

Quidco showing tracked just now for me but at £30 cashback, although the offer is £25... Hope they don't decline...

BTW I didn't get top cash back on this. Which is the first product I've bought never to get cashback. Shocking company.

Nectar has nothing in common with stoozing, this card or anything related to banking, imo.
Even with two cards, you might make £500 or close (don't forget Santander account is a paid account, there is a fee involved).
So not sure about the £2000 you mention, and you say you are not sure either, basically the most important part of this is to be disciplined, I doubt you don't follow it to the penny. If you include cashback from Quidco and Topcashback on anything, not just this card, yes, it adds up, but not related to stoozing. Just trying to keep it real, I would do it as well for a year or so for fun, but as for earning an income, it is just not sustainable.

Same here, I get 90% on most of cards but 0% for this.

Thanks for posting, heated. Think it should be of use, even if it's not Amex :wink: Oh and for anyone who likes to point out a spelling mistake, here's on to update the Post Office about....

Yeh I got 0% too, shame as I get 90% or more on most other ones.

What's stoozing?

Got 0% with this card but everything else was 80%+ WTF :stuck_out_tongue:

I think there is something up with the result returned for the Post Office card, I get 95% acceptance for every other card on the page! and then also like you 0% acceptance for the Post Office

I got 70% too, 90% on Virgin and Halifax. How come it says successful but 16mths 0% not 25mths

​Done this before on applying for a Tesco credit card and a Barclaycard both said I had a 0% chance of getting them but when I applied I was accepted on both, so the information isn't always correct :smirk:

Aargh I forgot to do quidco...

Thanks. I got 70%.

Does this include international transactions ?

same for me. :disappointed:

I agree to a certain point, but with topcashback, quidco, and the other card I use as well as nectar etc, I reckon I make £2,000 a year from this practice. It funds my gaming habit and I purchased an Xbox One, and plenty of games over the last 2 years just through my cashback and stoozing habit. My wife does it as well and we have both taken out one of these cards today so as well as the interest we will make, I made £60 in cashback as I opened both cards, one through topcashback and one through quidco, although she doesn't know that !!!!

When does this offer end? I mean what's the latest date an application can be made?

Is the £10 spend in month 14 or 15?

I've got myself a Halifax card at the moment but it seems I've gone over my credit limit without realising (business spends) and I got charged interest last month! So it seems it's eliminated my interest free :disappointed:
What's my best option, get a balance transfer card and send it over then grab another card for spends? Or get a card to do both? Appreciate any help!

I've got myself a Halifax card at the moment but it seems I've gone over my credit limit without realising (business spends) and I got charged interest last month! So it seems it's eliminated my interest free :disappointed:
What's my best option, get a balance transfer card and send it over then grab another card for spends? Or get a card to do both? Appreciate any help!

I applied for a post office card ast time, and they wanted proof of address, signed photo's etc, so I gave up and got a lloyds card. Anyone know if they still do that?

Post office card customer service is terrible. Hope you never need it...

I thought you said big business... like I said, it's not going to be a full £270, for example Santander charger a monthly fee, also you cannot get the full 9000 balance spent in one go, probably more like a few months and so on.
I am all for stoozing as an exercise, but you just seem to portrait it like "big business" which is not.
Also, little work is debatable, probably if you count the hours you put into this, you get your usual hourly payment you would get by doing an extra hour/month at work.

Before applying, run your application through https://creditcards.moneysavingexpert.com/?purchases

I just did... and I got 0% chance of acceptance for this card.

Worth using a soft search to avoid a dent in your credit rating.

Just got a matched credit card to continue using for expenses and has tracked at £30 through Quidco! Just hope they pay at that too :smiley: HOT

thanks OP. applied hear in 5 days

​Its not always a bad thing using a credit card :wink:

That's right. If people use their cards correctly then banks would not offer credit cards. Some expect that in 2 years time (plenty - you think) they will pay back everything. In dreams but not in reality. Bank will win if you don't make real, correct calculation and stick to this. Bear in mind, calculate with amount on your account that covers 6 months financial needs even if you will loose your job.

I can pay 0% on ANY credit card...why is this special...?

I've got myself a Halifax card at the moment but it seems I've gone over my credit limit without realising (business spends) and I got charged interest last month! So it seems it's eliminated my interest free :disappointed:
What's my best option, get a balance transfer card and send it over then grab another card for spends? Or get a card to do both? Appreciate any help!

Even better to pay cash for it rather than taking on debt. :smiley:

This po card is for purchases, it is a good deal but MBNA usually only lend to people with exceptional credit rating (higher earners)


Yup.

apologies but just to clarify, you must make a transaction within the 3 months. So that means I can buy something for £25 and then it be active?

Don't bank on the Post Office honouring cash back for taking out the card and be prepared for 1940s customer service. They don't accept you making payments over the phone with your debit card.

​sorry should say does not offer any period of 0% on purchases?

​???? that card does offer any 0% on purchases at all , unless I'm missing something? :neutral_face:

We just got 36 months 0% with 2.9% fee here for balance transfers with MBNA. Also gave a decent £16,000 credit limit.

I applied Post office platinum credit card 18 month fee free balance transfer credit card Online but refused. But after a week they send me credit agreement to sign for credit card. Really shocking but pleased now. Plus £ 25 quidco :smiley:

I guess the extra month makes it special since all are <24 lol

There is another card which does 0% balance transfers and purchases but for 24 months:
http://uk.virginmoney.com/virgin/credit-cards-aggregators/all-round/

QUIDCO given me £30 for this for some reason..

They don't make it a hassle to pay off any amounts you owe on the card, or setting up a direct debit for monthly repayments, do they?

Starting a new job soon and first pay day won't be till 3 weeks in so this would be helpful

ah thank you. Lets say in month 14 my balance is £900 and I spend £10 making my total statement £910, paying 2.5% (minimum) = £22.5. Then in month 15 my new balance is £887.5 correct?

can this improve my credit score

Minimum payment is always based on your total balance.

I am surprised that Halifax don't advertise it enough!
It is specified in their Credit card terms and conditions included below for ready reference

"11. REWARD PAYMENT

11.1 - If you meet the requirements set out in condition 11.2, then for any statement period in which you:-

(a) make at least £300 of Purchases (once any Purchases refunded in that period have beend deducted);
(b) stay within your credit limit; and
(c) make your minimum monthly payment;

you will qualify for a £5 credit to your account in the following month. The credit will not be treated as a payment to your account under these conditions.

11.2 - To be eligible for the reward set out in condition 11.1, you must, at the time you enter into this agreement:-

(a) hold a Halifax current account and pay in £1,000 or more each month;
(b) use our switching service to move your current account to a Halifax Current Account and agree to pay in £1,000 or more each month;
(c) open or hold a Halifax Ultimate Reward Current Account."

If the £5 is still the minimum payment then u still pay £5. Of the minimum payment goes up because of more gone o the card the. U pay that instead

I'm a noob at this as I always pay my balance in full (set up direct debit so it does it automatically)

Lets say I spend £25 in month 1 thats ~£5 minimum payment...and then in month 2 I spend £100 making the total £120. DO i pay the mimimum payment on the £120 or the £100 I spent in that month?

You don't pay any interest for 25 months (on purchases), but you do still have to make the minimum payment towards what you have borrowed each month.

What do you mean by "if you miss a payment". I thought you don't pay till the end of the 25 months?

edit: or is it that you need to pay the minimum each month?

Oh yes, I've been doing that for years, we call it "common sense" in Yorkshire.

In answer to point 1. Always set up direct debit for minimum payment on your preferred day of the month, or set up standing order via online banking. I know most people do just that but it's worth mentioning for those that don't and most certainly should.

Yeah, the clarity credit card and reward card with the halifax both payout an incentive monthly. Spend £300 on the credit card in a month and you get £5 cashback automatically. Pay in over £750 into the bank account in a month and receive £5 cashback automatically. Free money! Clarity is one of the best for using abroad also.

Hi all,

I've never had a credit card before but interested with it being 0%. I'm a complete noob so apologies for potential daft questions!

Can you cancel the card after the 25 months with no problems? How much do you have to pay each month on things (is it a set %)
Any traps to be aware of (other than being responsible and not rinsing it!)

Thanks in advance :smiley:

What is the credit limit on this card?

Please explain "stoozing"

I didn't realise there was cashback on Halifax card

It's hardly worth stoozing and running it over to a new card, as at best you'll have to pay 1.5-2% balance transfer fee, so even if you'd maxed out gross interest at 3% on £9k on this, you'd lose most of that when transferring the balance to a new card.

Still cant get this to complete, even after offering me a card and filling in transfer info - when clicking the next page it comes up saying "Timed Out"

Expert stoozeers do not pay off the credit card bill (when the 0% ends) but balance transfer to a 0% balance transfer credit card and continue to earn interest from the bank:). It does need some discipline to manage otherwise it will cost more and things will get quickly out of control.

Very do.

(Just in case anyone was wondering)

Dunno whether to apply for this, already have 2 so doubt I'll bother.

You are right. I got the names mixed up (as I also have their reward bank account). It is indeed Halifax Clarity Credit Card. I have edited my comment.

Isn't that the Halifax Clarity Credit Card with no commission/fee on purchases abroad and a low interest rate for withdrawing cash from ATM's abroad? I've used it on my last few trips, very good card.

​Thats just an illustration amount that all banks use :smiley:

Could you use this to pay a bill like very account and then pay it monthly as the o% 25 months

​£270 is £270 its not big money yes but for some its a lot of money for doing little work. :smiley:

I didn't know it was called stoozing but I have been doing that for years. Currently have a Amex card with most of the £9k credit limit used on 0% with the money to pay it off in my 123 account earning 3% gross. I also have earns £100 cash back from Amex on that spend. I usually have 2 cards on the go but you must be disciplined. I use the cards for every purchase and just update a spreadsheet on my phone and move the money into the relevant savings account each time. Takes a few seconds. Free money for me. Yay

Let's not exaggerate, it is not big business for anyone, it's more of a fun exercise for some.
The earnings from doing this are modest, and there is some work involved.

And while talking about exaggerations, no, this card was not made for stoozing. Keep it down a bit.

I applied for this last time they had a great rate, but they asked for signed photographs as proof of ID, so I went with lloyds instead, are they still doing that?

can anyone share the quidoco like can't seem to find it on there. thanks

Have you tried Halifax's Clarity Credit Card? It has no fee for cash withdrawals abroad and gives a better exchange rate. Also if you spend £300 per month then it gives £5 credit in the following month (which is equivalent of 1.67% cashback).

Successfully applied. I'm keeping this

Any idea what the credit limit is on this car as most have been capped to £1500-2000 recently?

Accepted my application via Quidco, but offered me 16 months interest free. My credit rating is probably impeccable - call me an old cynic but I'd be keen to know how many applicants are actually offered the full 25 months.

Taken straight from the pre-contract terms:

• Introductory rate of interest (fixed):
- 0% on purchases for first 16 months from the date of agreement;
- 0% on balance transfers applies for 16 months to balance transfers made within first 3 months of date of agreement.
At the end of the introductory period, any outstanding balances will be subject to the applicable standard variable rate.

Looks good but keeps crashing and saying "Try Tomorrow"

Aren't there any minimum monthly payments on this card? As in you'd have to pay the creditors back on a monthly basis to pay back the money they have 'borrowed' you?

Can I use this in ATM overseas?
Currently use a Halifax mastercard in Europe for cash, which is a great card if you pay the bill online straight away, as the interest is daily... however its a really low rate....
Just read the terms and conditions.... think I will stick to my Halifax card for now

It is late I suppose lol :smiley:

Thanks for clarifying, OP. I'll get me coat.

hope that's not too hard to understand.

thank you, but what i wanted to confirm was that i could move a bank overdraft over, it doesn't have to be another credit card or anything

Don't wanna have too many credit cards in one go.

Already have the tesco one for balance transfers, but this post office one has 0% on travel money which is great for an upcoming family holiday.

Just started looking around, so still need to take a look at Amex though.

Thanks, posted the comment and then opened my eyes lol.

the balance transfer on this i have a overdraft with natwest could i transfer it on to this card to pay it off with no additional fees

A transaction must be made within 3 months of account opening to qualify for 0% for the first 25 months otherwise a purchase period of 0% for the first 16 months will apply

Thanks for posting this deal.

I have gone for this deal but all documentation is stating 16 months on purchases and not 25 months.

Can anyone shed any light?


** Edit **

Need to use the card within first 3 months to activate the 25 month offer otherwise drops back down to 16 months.

Thanks again OP.

can this be used for stoozing ? why yes , it was made for it :smiley:

Oh yes now your talking my language :smiley: of course you can, you could make a tidy bit of profit if you are clever enough :smiley:

Totally agree with your comment, not so keen on the picture :neutral_face: but as an adult you should be able to make your own decisions. I know people who have been clever enough to buy cars on credit cards and pay it back for a lot less than a loan :smiley:

Can you use it for stoozing?

I understand the point you're making, but a LOT of people don't "use the card correctly" and people should consider the consequences of that.

Sounds good.

Might ditch my HSBC one for this.

Great link if you are after that sort of thing, but this card offers 2 years and 1 month at 0% so if you use that card correctly then you end up pay £0.00 interest and its the bank that looses out :laughing:

http://www.cardcosts.org.uk

That's all.

Never really needed credit so I don't know much about credit cards. Always in need of free money though :wink:

So if you get this and don't even use it, you can get £26.25 of free money from TCB?

seems good.