well managed debt is much better than poorly managed savings. Some people actually have aspirations for their lives and if moneys cheap (or in this case free, great deal by the way OP!) then good for them.

You can also have debt that isnt inflicted by materialistic gain (a bizarre notion to the high and mighty). If you're on a low income and your car blows up, boiler packs in and your loo blocks then maybe you have no choice. Again, far better to manage that sensibly then sell the kids clothes or start shoplifting consumer electricals (or at least i think it is)

You might of racked up student debt. Its quite hard to be a student but your aspiration is to make things better and its good to know that deals like this exist so that youre not spending your working life once you qualify as a rocket scientist paying off your Aldi groceries from 2006.

And finally, the whole notion that debt is stupid generally comes from people with loftier than though attitudes who only get there 2% interest on there meager savings because people are actually paying interest at the other end.

Your views not really helpful to anyone.

Ok cheers mate, the balance is zero on the Halifax card. Spose makes sense to wait, I just don't like their online side of it- utterly useless

If you still have a long time to go on your P.O. credit card @ 0% , there is no point balance transferring any amount from it, and just because you have cut the Halifax card up , dosnt mean it is not active.The balance would have to be at zero, and cancelled before you could get another Halifax card, but not 100% certain.
Your Halifax card may let you balnce transfer @ 0% with a 3% fee if your at the end of your P.O. credit card 0% deal

If you still have a long time to go on your P.O. credit card @ 0% , there is no point balance transferring any amount from it, and just because you have cut the Halifax card up , dosnt mean it is not active.The balance would have to be at zero, and cancelled before you could get another Halifax card, but not 100% certain.
Your Halifax card may let you balnce transfer @ 0% with a 3% fee if your at the end of your P.O. credit card 0% deal

I got the post office credit card 0% 25mths, there's £1k on it, can I apply for this and transfer the balance? Only paid my first instant last month. Would help with Xmas and have slightly longer to pay it off.
I have a Halifax card last year to buy my ps4 which I cut up, would I be declined this offer do u think?

1.39% effective fee applies on each balance transfer made in the first 90 days.
An initial 3% fee applies; we'll then refund 1.61% within 90 days, so the effective fee is 1.39%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer

Applied and got approved for what i requested (£3000 limit) at 0% on balance transfers for 32 months.
No mention of 1.39% balance transfer fee though, mine just says 3% in the first 90 days?

Yep, on my TCB too :-( Will adjust title

I got £21 tracked through tcb applied last night when tcb said £36.75.

Looks like TCB is now giving £21 only!!!

Can anyone pls confirm?

Nice spot, thanks.
Gone for it as my current 0% runs out in January. This seemed too good to pass up, esp with the partial refund of fees making it the best deal (for balance transfer) out there as far as I can see. Noticed that MSE are quoting this deal at 37 months at 0% but couldn't find that deal, so 32 months is fine for my needs. Will see if / when TCB tracks and whether it pays - a bonus if it does!

Happy days. I managed to get a 0% 32months 5500 estimated approval... whoop whoop

I got an idea how about staying debt free. No credit cards or loans earn and then buy. Cold from me

Lol. Yep Its cold making a profit these days :laughing:

Alternatively, if you like making your money work harder pay the 1.39% fee and invest the money at a better return rate, i,e savingstream for 12%.

Dave, my TCB shows as £36.75, but I might be on a differnt tier as yourself. I only said possible TCB, as you might only get the one, but no harm in trying :-)

just looking at the tcb, I can only find £35.35 where to qualify you must deposit £1500 etc...Looks like identical terms for the Halifax cashback, are you sure this is in addition to the Halifax cashback or are they just adding 35p to the original deal?

Think potentially you could transfer £1500 to get the deal even if you only have a balance of £200 to 300 , your current card would then show a credit of £1200 or £1300 and you could continue spending on that card to reduce credit to zero . Doing this means you could take full advantage of the £1500 interest free even if you don't have that amount to transfer .
I have £2500 with first direct at 0% so no point transferring it but could take advantage of this deal by over paying by current card I spend on , hope I've made sense !

Time to switch from my Sainsburys 19mth card.

Note that to be eligible for the cashback, your balance transfer needs to be at least £1,500 - so you can't b/t £200 and pay a small b/t fee in the hope of getting the cashback

Note too that Lloyds (same group) and Barclays offer similar cards (same 1.39% fee over 32 months)

sound good thanks. :smiley: