Why pay interest when you don't have to? If you've got outstanding balances on other credit cards or store cards and are paying a higher rate of interest, you could save money by transferring them. Pay off the total transferred over a 39 month period and there is no interest to pay on that amount.
0% interest on balance transfers for the first 39 months with a 2.69% fee
0% interest on money transfers to your bank account for the first 39 months with a 3.94% fee
0% interest on balance and money transfers is applied to any transfers made within the first 90 days of opening your account, if you make your minimum repayments on time and in full each month. You can transfer up to 95% of your credit limit
Top comments
manicmidlander
15 Jul 167#3
Good deal if you are sensible with your credit. Put your day to day spending on a 0% purchase credit card and flip to a 0% balance transfer card. Keep the money you would have spent in the bank or offset your mortgage. Ok you don't save a massive amount but a couple of hundred quid a year of "free money" isn't too bad.
guttediam
15 Jul 163#1
This is a smoking hot deal, shame I already got this card!! Nice find Op
All comments (35)
guttediam
15 Jul 163#1
This is a smoking hot deal, shame I already got this card!! Nice find Op
Paperlantern to guttediam
15 Jul 162#2
Ditto!
BigBuds to guttediam
15 Jul 162#5
You do realise you can get more then 1. I've got 3 tesco bank credit cards. :wink:
manicmidlander
15 Jul 167#3
Good deal if you are sensible with your credit. Put your day to day spending on a 0% purchase credit card and flip to a 0% balance transfer card. Keep the money you would have spent in the bank or offset your mortgage. Ok you don't save a massive amount but a couple of hundred quid a year of "free money" isn't too bad.
Sliwka
15 Jul 16#4
How this compare to the Virgin deal posted few days ago? What's difference?
the1C3MAN
15 Jul 16#6
What are they link with balance limits?
StevoTebo79
15 Jul 16#7
I've just got the 21 months 0% balance transfer card with no fee through top cashback and got £33. This is literally free money as I've not paid a transfer fee. Also I think by putting a balance on it I've also got club card points too. I would go for this one. Winner winner chicken dinner
darthvader666uk
15 Jul 16#8
Im V tempted! Does this do balance transfer to bank accounts? Only ones Im aware of are Virgin and MBNA?
philmitchell to darthvader666uk
15 Jul 16#9
abigsmurf to darthvader666uk
15 Jul 161#11
Be vary careful with Tesco credit cards as it often isn't clear if a card includes bank transfers as well as balance transfers. I applied to a card I thought allowed for 0% bank transfers and got a nasty surprise when I got the first bill.
Got no warnings that it would be full interest for bank transfers, phoned up to complain and got "well you should have applied for our bank transfer card instead" (which I didn't even know was a different thing to apply for). Checking on their site, it seems the offers fluctuate between including and excluding them (without explicitly saying so) on their balance transfers card which is confusing as hell.
Currently in the process of filing a complaint with the ombudsman.
jonathan_d to darthvader666uk
15 Jul 16#26
transfer your balance to another card, so that it ends up in credit.
then just give card 2 a call and ask for your credit back...
darthvader666uk
15 Jul 16#10
omg i missed that! amazing :smiley:
stojanovzoran
15 Jul 16#12
Don't really understand 0% on balance transfers,does that mean i can cover my hsbc credit card debt *on which one already being charged interest * and then pay back this card balance without being charged interes on transfered money? Can anyone explain. Many thanks in advance..
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Opening post
0% interest on balance transfers for the first 39 months with a 2.69% fee
0% interest on money transfers to your bank account for the first 39 months with a 3.94% fee
0% interest on balance and money transfers is applied to any transfers made within the first 90 days of opening your account, if you make your minimum repayments on time and in full each month. You can transfer up to 95% of your credit limit
Top comments
All comments (35)
Got no warnings that it would be full interest for bank transfers, phoned up to complain and got "well you should have applied for our bank transfer card instead" (which I didn't even know was a different thing to apply for). Checking on their site, it seems the offers fluctuate between including and excluding them (without explicitly saying so) on their balance transfers card which is confusing as hell.
Currently in the process of filing a complaint with the ombudsman.
then just give card 2 a call and ask for your credit back...
http://www.moneysavingexpert.com/credit-cards/balance-transfer-credit-cards