Just got this deal myself and the 2% got paid back as soon as the pending transfers complete. Just gave me another 2 years for free. What more could you ask for.
" This could be good if you’re looking to transfer a balance but don’t want to pay a fee.
0% interest for 24 months on balance transfers made within 60 days of opening your account (0% balance transfer fee applies. A fee of 2% will be applied to your account at first, but you'll only pay 0% as we'll refund the difference – terms and conditions apply).
0% interest on purchases for six months from the date you open your account
You could use the money you save on interest to reduce the amount you owe."
Merry xmas :smiley:
15 comments
veedubjai
22 Dec 16#1
TCB offering £31.05 cashback for accepted applications. Ends in 3 days.
mistermoneysaver to veedubjai
22 Dec 16#4
Say £28.05 on mine. Minimum 1.425% payments too. Good deal.
farmeruk1
22 Dec 16#2
Not free as it will eff3ct you credit report for just applying.
callum84 to farmeruk1
22 Dec 161#3
I dont get your point. Applying for any credit will affect your rating.
OP has posted a balance transfer offer with zero interest for 2 years and no transfer fee and its exactly that.
Gollywood to farmeruk1
22 Dec 16#11
Yes. You can pass down your perfect credit score down the generations. Might fetch a few quid on Antiques Roadshow...
jobibear
22 Dec 164#5
Yeah, it's like saying, "T've got excellent credit rating". "That's fantastic, when did you last use credit?" "Oh, I never get credit, it'd destroy my perfect credit rating". "Oh, right".
i got the £31 and 6 months for purchases @ 0% apr. really not bad at all.
pimpchez
22 Dec 16#8
Question : I already have a barclaycard , with 0 balance ready to be closed when i ring them up can i still apply for this one ?
Jeffro to pimpchez
22 Dec 16#9
Unfortunately I don't know much more then what you can read. In my experience you should be able to apply for more then one card.
callum84 to pimpchez
22 Dec 161#10
At one point I had 3 with all the takeovers.
Im pretty sure the rules changed at start of year though and now you can only hold 1 barclaycard.
There was also a 6 month exclusion after closing an account.
Not sure if this is still the case, should tell you in the application T&Cs
tom_hungston to pimpchez
23 Dec 16#12
i wouldn't as not only you'll get rejected it'll leave footprint on ya credit file, meaning if another card provider offers attractive deal and you apply for it, you'll be rejected too as they'll see previous rejection,
best way to play this game is to close account and wait for 1 year before applying to same card provider.
merry Xmas everyone
pimpchez
23 Dec 16#13
Fair play , they seem to have other ideas by sending me constant applications in the post.
callum84
23 Dec 16#14
Thats good sensible advice about waiting and would be my advice, however when a credit check is done the institution can see previous checks but not whether they were accepted or rejected.
One or 2 applications per year should have no real effect on credit worthiness. Its when more are made or applications made in a short space of time as next institution does not know whether you were accepted or rejected for last and the system errs on the side of caution.
wildecat
15 Feb 17#15
Don't count on the TCB cashback.
Cleared cookies etc and applied tracked then declined down the line, manual claim declined also.
Credit agreement even listed Topcashback as credit broker.
![Fresh Breakfast Meat Box (Using code) @ Campbells Meat [Haggis / Lorne Sausage / Bacon / Black Pudding & More]](/images/topics/208684_1.jpg)
![[Xbox One] Q. u. b. e: Director's Cut on Deals with Gold](/images/topics/208716_1.jpg)
Opening post
https://www.topcashback.co.uk/search/merchants/?s=Barclaycard+No+Fee+Platinum+24+Month+Balance+Transfer+Card
Just got this deal myself and the 2% got paid back as soon as the pending transfers complete. Just gave me another 2 years for free. What more could you ask for.
" This could be good if you’re looking to transfer a balance but don’t want to pay a fee.
0% interest for 24 months on balance transfers made within 60 days of opening your account (0% balance transfer fee applies. A fee of 2% will be applied to your account at first, but you'll only pay 0% as we'll refund the difference – terms and conditions apply).
0% interest on purchases for six months from the date you open your account
You could use the money you save on interest to reduce the amount you owe."
Merry xmas :smiley:
15 comments
OP has posted a balance transfer offer with zero interest for 2 years and no transfer fee and its exactly that.
Im pretty sure the rules changed at start of year though and now you can only hold 1 barclaycard.
There was also a 6 month exclusion after closing an account.
Not sure if this is still the case, should tell you in the application T&Cs
best way to play this game is to close account and wait for 1 year before applying to same card provider.
merry Xmas everyone
One or 2 applications per year should have no real effect on credit worthiness. Its when more are made or applications made in a short space of time as next institution does not know whether you were accepted or rejected for last and the system errs on the side of caution.
Cleared cookies etc and applied tracked then declined down the line, manual claim declined also.
Credit agreement even listed Topcashback as credit broker.