nothing wrong with debt or credit cards


I dont use my debit card for anything other than drawing cash out
Much more protection using a credit card

think about it

Fraud on your debit card and its your money.. will the bank be too interested in recouping it?

Fraud on a credit card.. its the banks money.. they'll be much more keen to recoup it

Want a new TV for £500... why spend £500 in one lump.
Best spending £500 on a credit card that offers extended warranties / cashback / points and then blaance transferring it to Tesco. £25 a month for 20 months and its repaid.
the telly should last you 60m to 120m minimum so no point paying upfront.

Thanks OP..very timely! :smile:

Thanks OP - Just what i was looking for!:smile:

Just Signed Up Thanks OP!! :sunglasses:

Thanks OP. Just signed up and got accepted with just over £5000 credit limit, which is a lot more than I asked for. This will now save me £35 a month interest for the next 21 months!!

does the interest free for 21 months start when account is opening or the money is transfered?

lpky

I applied and was pleasantly surprised to get £2.5k for 21 months 0% and 0% fee. I'm not a home owner or anything (private rent) and my job is >£20k a year. So I think the threshold for this isn't that high but I know other factors exist.

Anyway, anyone complete the application and not receive an email? I haven't but at the time (yesterday) I didn't have the credit card with me that I wanted to transfer away from so I completed the application and thought would go back today but no email has come and I didn't write any of the references down to call them. Going via the login my username isn't my email address and the "forgot username" link needs the credit card number which I haven't got yet. I will wait it out and assume something will come eventually but just wondering if not getting a email confirmation is common practice or if I put in the wrong email (fairly sure I didn't).

Voted hot btw - bargain for no fee. Basically free borrowing until December 2018.

​but its not fee free..

my CC is already with Tesco. can anyone recommend another CC that does free transfers?

With tesco.. Just checked on uswitch website and it's back up to 40 months interest free on balance transfers

Anyone know if they still do the referral bonus? I already have a card but will look to persuade someone else to get one if I can get the bonus!

Has anyone tried to get a 2nd card from Tesco? (i too already have a tesco 0%card and need another).

Got accepted but balance was too low to benefit. Cancelled.

Thanks for this.
Needed one for june to transfer from a zero pruchases card.

I cant see any mention of a bonus 1000 cc points?

thanks for posting this, I'm very grateful :smiley:

Completely agree with all this! I use my CC for anything over £50 and then pay it off in full each month. Costs me nothing, but I get extra protection and rewards points which give me money off.

Tesco won't approve your application if you had changed the address in the last 12 months. This is what happened to me when I applied last time.

Having debt on a 0% credit card is certainly not a bad thing. For example, putting £2,000 on a 0% card for some house improvements or a holiday, and knowing you can pay it off £100 a month at ease. It's a much cheaper alternative to getting a small loan.

This should save me a few bob. Thanks.,

nothing wrong with debt or credit cards


I dont use my debit card for anything other than drawing cash out
Much more protection using a credit card

think about it

Fraud on your debit card and its your money.. will the bank be too interested in recouping it?

Fraud on a credit card.. its the banks money.. they'll be much more keen to recoup it

Want a new TV for £500... why spend £500 in one lump.
Best spending £500 on a credit card that offers extended warranties / cashback / points and then blaance transferring it to Tesco. £25 a month for 20 months and its repaid.
the telly should last you 60m to 120m minimum so no point paying upfront.

Can anyone help me. I'm looking to transfer only about £700 to pay off a card as I'm about to pay interest. Would this be suitable?

Thanks, just ordered mine - no transfer fees makes this a great deal.

A good deal if you use the 0% to pay of all your credit card debt and never go back into debt again other than your mortgage.

Thanks for posting, just to sense check a couple of things....

1. Any limit on the amount you can transfer? Is it just dictated by the credit limit Tesco give you? If so, and this is below the balance you have on a card, can you transfer a partial amount?

2. Might be checking the obvious, but once your balance is transferred you should be good just making the minimum payment each month for the first 21 months without incurring any additional charges?


Thanks in advance.

Already got the previous 0% Tesco Credit Card deal. I presume I can't do this as well but can't see "new customers only" anywhere?

do they limit the number of the cc per person?

Worth a look! Heat from me thanks :smiley:

Many thanks dmaster2000.Just applied and accepted through topcashback .Owe you a pint

£30.30 Cashback as well with TopCashBack. Ordered mine on Sunday.

check barclaycard also as i got mail that promo's a 17 month 0% on purchases

If you have just opened this account I hope you got your 1000 clubcard points for new applications.

£31.50 topcashback too

http://www.topcashback.co.uk/tesco-bank-credit-card-with-no-bt-fee/

Just got mine 0% for 38 months in balance transfers...

Shame the points not in the title as I got accepted for it then noticed in the posts about it, will call them tmz see if they can add it.

Isn't the Post Office Credit card the best?

Got declined for this :disappointed:

ooh looks good :smiley:

0% fee? Instant heat! Thanks OP. Don't need it myself but I know someone that does, perfect timing...

​Might be worth adding any extra clubcard points or topcashback offers in the details so anyone thinking of applying will benefit from them.

Just did this myself but they only offered less than half the credit limit of my previous card and my salary has gone up significantly since I applied for the previous card. Oh well.. just paid the difference and I got less to worry about now... 21 months to pay off easily.

good deal, Halifax also doing 40month interest free (but with 3% fee - reduced to 2.9% after 90 days).

do you get points for money transfer??