Yet another great deal from Post Office Money 26 months 0% balance transfer credit card with a 0.4% fee.
*0.4% balance transfer fee, with 0% on balance transfers for 26 months. An initial 2.98% fee applies, but we'll reduce this to 0.4% by a refund to your Post Office Money Balance Transfer Account within 90 days of the balance transfer transaction date
Balance transfers must be made within three months of account opening. The balance transfer fee will increase the total amount you owe
0% on purchases for the first three months
No cash fee when you use your Balance Transfer Card to buy travel money at the Post Office
Had a nightmare signing up with these. Wanted photocopies of drivers licence, bank statements, wage slips, utility bill.
Had to take all photocopies to post office with originals to be certified as seen by post office staff.
Then had to post them all.
Then they sent back 2 weeks later to say my employer name was different to stated and to send P60. So photocopied that and sent it.
2 weeks later they sent it back saying they wanted original.
Phoned them and told them to stick it up their £&?@!
Never had this with any other provider. In fact after phoning them I went online and Virgin accepted me within 60 seconds! Card was at my house following week.
All comments (31)
lady_muck
10 Oct 151#1
Thanks!!!!!!
Kraezae
10 Oct 151#2
Quidco is £30 for a Post Oddicw credit card, not sure if it Applies to this one? :stuck_out_tongue:
cliosport65 to Kraezae
10 Oct 15#3
I did look on Quidco / TCB but they offered cashback on Platinum and Matched, couldn't find a Balance Transfer as its a new card from the Post Office :smiley:
Rom
11 Oct 151#4
Look at a credit card acceptance checker before applying for this, I seem to remember when I did Post Office cards had weirdly high refusal rates, I checked this MSE credit card checker when I was looking for a balance transfer before and I had a low chance of acceptance even though others were fine and I've never been turned down for anything.
mickey_brock
11 Oct 15#5
how does this work
irvin38a
11 Oct 1511#6
Had a nightmare signing up with these. Wanted photocopies of drivers licence, bank statements, wage slips, utility bill.
Had to take all photocopies to post office with originals to be certified as seen by post office staff.
Then had to post them all.
Then they sent back 2 weeks later to say my employer name was different to stated and to send P60. So photocopied that and sent it.
2 weeks later they sent it back saying they wanted original.
Phoned them and told them to stick it up their £&?@!
Never had this with any other provider. In fact after phoning them I went online and Virgin accepted me within 60 seconds! Card was at my house following week.
androoski
11 Oct 15#7
Seems to be a limite offer:
At least 51% of customers will get 0% on balance transfers for the first 26 months and a representative rate of 18.9% APR (variable). Others will get 0% for 22 or 18 months and a rate of 21.9% APR (variable), or 24.9% APR (variable).
It would be annoying to go through the hassle described by irvin38a and then not actually get the deal....
jcluk
11 Oct 15#8
Good deal if you use the 0% to clear all of your credit card debt. Get the card and cut it up.
phoenix_af
11 Oct 15#9
That's the way all cards work on advertised APRs/BT rates. They need to be offered to over 50% of accepted applicants but the rest can get a variety of inferior offers depending on your credit score and affordability.
bbhushan83
11 Oct 15#10
Agree with PO being too strict. I applied for a card last year to transfer a balance from another card , they didn't offer me even half of What I had to transfer and sent me the card without me accepting the offer. Had to make several call to cancel the card even when it was issued without my consent. Applied for Lloyds card, approved online application within minutes and offered more than I needed.
TidyWorks
11 Oct 152#11
Post Office customer service is terrible. I am still waiting for my security pin to access online banking 2 months after getting my card and many phone calls chasing it.
cliosport65 to TidyWorks
11 Oct 15#12
weird seem very helpful when you phone them up :smiley:
Josiejump11
11 Oct 15#13
I applied for this offer (it was very simple and decision was straight away after pressing the apply button) was granted £1,400 straight away then discovered that balance transfers could only be made up to £100 for every card you wished to transfer - not much good really if you want to save on interest from an existing card !!
tek-monkey
11 Oct 15#14
Odd, mine said minimum of £100 and a max of £200 below my credit limit (which is 4k). Got accepted immediately, I did check noodle first to make sure ny credit score was still OK.
Captin
11 Oct 151#15
nice one op heat from me :smile:
120147cricket
11 Oct 15#16
Great card,even if you don't use the transfer element as you are charged no fees for purchases made abroad. The offer on the balance transfer is a no brainier.
insubordinateboy
11 Oct 151#17
Whoever was moaning about them must have a bad credit history.
Took two mins to fill out the form and was accepted immediately. 9500 limit and able to transfer balance online.
Heat added
irvin38a to insubordinateboy
11 Oct 15#23
No. Excellent credit rating. Just crap service from post office. As I said, accepted immediately by Virgin. £9000 limit.
Never had a problem with any loans, credit cards, mortgages, phone contracts, utilities etc. Only these.
tek-monkey
11 Oct 15#18
Tracked £30 quidco, will see if it pays out.
FLORALIQUE
11 Oct 15#19
I have an excellent credit rating but have just been rejected!! :disappointed: And I know my rating is good cos I paid £14.99 for the priviledge of finding out 2 months ago!! :confused: I'm a stay-at-home mum, though, so wondering if you're automatically rejected if you're not employed??
aureol40012
11 Oct 15#20
I suspect that many credit card companies do not offer the unemployed credit cards?!
imw2
11 Oct 15#21
The Computer said NO
tek-monkey
11 Oct 15#22
Pretty sure it said 8k minimum income not including benefits.
deano777
11 Oct 15#24
So I assuming this won't allow you pay money from the card into a bank account and have 0% on that?
Gollywood
11 Oct 15#25
I'm going on holiday in a months time. Is there a card out there that I can use to withdraw cash from machines etc and not be charged a fee for it?
chandr to Gollywood
12 Oct 15#28
Yes, Metro bank debit card.
FLORALIQUE
12 Oct 15#26
Well my hubby is in full time employment and usually they take into account the 'household' income. It's never been a problem before anyway :neutral_face:
FLORALIQUE
12 Oct 15#27
Well my hubby works and we have well in excess of £8k as a combined income but wondering if they're not taking that into account. I can't think of any other explanation anyway. Ah well I'm sure I'll get one somewhere else :smiley:
sidhaarthm
12 Oct 15#29
Dang it.. I just got the Virgin All Round CC recently. That's 18 months @ 0% but also does Money Transfers @ 0%.
rapuchy
12 Oct 15#30
I have good credit rating
Applied but says get back to me within 5 working days
No decision!
Really need a balance transfer card though.
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Opening post
*0.4% balance transfer fee, with 0% on balance transfers for 26 months. An initial 2.98% fee applies, but we'll reduce this to 0.4% by a refund to your Post Office Money Balance Transfer Account within 90 days of the balance transfer transaction date
Balance transfers must be made within three months of account opening. The balance transfer fee will increase the total amount you owe
0% on purchases for the first three months
No cash fee when you use your Balance Transfer Card to buy travel money at the Post Office
Apply online
http://www.postoffice.co.uk/landingpage/balance-transfer-credit-card?campaignid=AG_CBT_0092
Top comments
Had to take all photocopies to post office with originals to be certified as seen by post office staff.
Then had to post them all.
Then they sent back 2 weeks later to say my employer name was different to stated and to send P60. So photocopied that and sent it.
2 weeks later they sent it back saying they wanted original.
Phoned them and told them to stick it up their £&?@!
Never had this with any other provider. In fact after phoning them I went online and Virgin accepted me within 60 seconds! Card was at my house following week.
All comments (31)
Had to take all photocopies to post office with originals to be certified as seen by post office staff.
Then had to post them all.
Then they sent back 2 weeks later to say my employer name was different to stated and to send P60. So photocopied that and sent it.
2 weeks later they sent it back saying they wanted original.
Phoned them and told them to stick it up their £&?@!
Never had this with any other provider. In fact after phoning them I went online and Virgin accepted me within 60 seconds! Card was at my house following week.
At least 51% of customers will get 0% on balance transfers for the first 26 months and a representative rate of 18.9% APR (variable). Others will get 0% for 22 or 18 months and a rate of 21.9% APR (variable), or 24.9% APR (variable).
It would be annoying to go through the hassle described by irvin38a and then not actually get the deal....
Took two mins to fill out the form and was accepted immediately. 9500 limit and able to transfer balance online.
Heat added
Never had a problem with any loans, credit cards, mortgages, phone contracts, utilities etc. Only these.
Applied but says get back to me within 5 working days
No decision!
Really need a balance transfer card though.
http://www.topcashback.co.uk/post-office-credit-card/