Is now 32 months

Waiting for nectar points double up!

Aye mine are there too, just in time for that cinema promo. Belter deal

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check your nectar peeps!!



Thanks again OP!

My card finally arrived on friday, I've got just under two weeks to go to Sainsbury's four times

Applied on day 1 of this deal and got accepted for £12.5k. Nightmare admin process. Had to sign paper forms etc. Took 3 days for the forms to arrive, another 3 days for them to receive the forms. PIN arrived a week later and card another week after that. I've made the 4 transactions now (within 3 days of receiving card!) and they confirmed after a phone call today that it was within time. Can't really complain as a really good deal and it has ended up working for me but delays in admin and postage were frustrating!

+ below incase it disappears...

“
5,000 bonus Nectar points
Apply by 21st May 2017, and your points could add up even faster when you shop at Sainsbury’s. Use your Sainsbury’s Bank Credit Card to pay for your Sainsbury’s shopping or fuel four times in your first month, and you’ll collect an extra 5,000 bonus Nectar points. You could use your points to treat yourself and your family without stretching your budget in the year ahead.††
”
“
††Purchase bonus Nectar points conditions:
Nectar card holders exclusive: Offer is available to new Sainsbury's Bank Credit Card customers who apply for and take out a Sainsbury's Bank Credit Card by 21st May 2017. Use your Sainsbury’s credit card to pay for your Sainsbury's shopping or fuel four or more times in your first month and be rewarded with 5,000 bonus Nectar points. Your account will be opened within 2 working days of us receiving your signed agreement and we will allow 7 days for you to receive your card before the month begins. Nectar card number must be supplied at time of application. Excludes Sainsbury's Telecoms, Energy, Travel Money, Argos and Habitat which will be treated as non-Sainsbury's purchases. Refunded transactions are excluded from the offer. Please allow up to 60 days from your Credit Card statement date for the points to be credited to your Nectar account – these points will not be shown on your credit card statement. To continue to be eligible for bonus Nectar points you must pay at least your minimum payment on your credit card account by the due date and stay within your credit limit. Nectar points are awarded to you by Sainsbury’s Supermarkets and Sainsbury’s Bank plc. The Nectar loyalty programme is run by Aimia Coalition Loyalty UK Ltd. The Nectar Collector Rules detail how to collect and use points. You can find these in the Nectar registration pack and at nectar.com. Sainsbury's Bank reserves the right to alter, stop or withdraw this Nectar point offer at any time without notice. No cash alternative is available

This thread has the T+C should we require it:

forums.moneysavingexpert.com/sho…813

I've had my pin through but still waiting on the card. Apparently the Nectar points month timeframe starts from when they open the account, so for me that's nearly a week ago.

To answer the above when I rang up the guy was talking about the old ts and cs so I'd hope they'll honour it. Didn't manage to establish if there was a minimum spend though

Worst case scenario ill spend 250 quid paying my interest free paypal credit off! Ill then pay the card off a few days later. Though for folks wanting this card just to nab the points, i hope they dont move the goal posts!

I had a look through my history and could not find the page! :disappointed:

Yes I noticed this Nectar thing on new applications - have we got screen captures of the original offer just in case they play up?

2 weeks after popping agreement in the post my card has turned up, seems kinda rubbish you can not use android pay or contactless... Though i am sure i will survive. :smile:

Also, i noticed the latest version of this deal requires you to spend £250 to get your nectar points, vs this one where you get your nectar points after spending any amount 4 times in sainsbury's. :smile:

Bloody hell. Just got a letter a couple of days ago saying that I've been approved for the 29-month card. Not a massive difference, but still!

I can't remember exactly what it said but I'm pretty sure they said they would contact me within 7-10 days to let me know if my application was successful. Obviously it's not been that amount of time yet but it's a bit crap that I haven't received anything to even acknowledge my application. Could do with the card asap as well.

For me it showed on the website as approved. I rang up as the website was having issues with navigation, but I received the forms in the post yesterday (so two day turnaround).

I'm still waiting to see if I've been approved (I had a 95% chance according to MoneySupermarket). Do they email to inform you or does it literally just come by post?

just signed my agreement and popped it in the post. how old skool! cant remember the last time I physically signed an agreement! :smile:

I've got no loans or similar other than the mortgage but I've already got a Virgin card that I'm stoozing with for a similar amount, and an Amex for offers/Clarity for any foreign spends. Was surprised to be accepted to be honest but it seems there's some mileage in posts stating that you're more likely to be accepted if they think they can make money off you due to holding a balance on existing credit.

Worryingly easy?? how so?? with the other sainsburys card posted on this site days ago everyone was complaining they could not get accepted lol!

Rang them earlier apparently system issues hence the abrupt end to registration. Told to ring back tomorrow to check once it's been processed.

Worryingly easy to obtain additional credit these days it seems.

for some reason Sainsbury's dont do a digital signature so expect paperwork through the post to sign and return.

online banking is also a bit poor

apart from that v good deal

This is a really good deal, 0%, bonus nectar points, and more nectar for spending! Thanks OP!!

4.5k limit approved. This will come in most useful!!

Just been approved, with around a 7k limit. Going to use in conjunction with a sharesave scheme so almost a guaranteed return. Thanks for the post.

Registration process is a bit strange as it directs you to sign up for online banking but the link isn't clickable and Finish doesn't do anything either. I've got a reference number so I'll assume all's gone through.

​What are you on about? We are currently having to pay 4% interest on £10,000. We only have 3 years left on our mortgage and have just came out of a 5 year fixed term. No other banks are interested in a £10,000 mortgage. To remortgage they want us to up it to £25,000, so we are currently stuck with the company we took our fixed rate with. I just want to find a cheaper way to pay the £10,000 and hoped this might be an option. No need for sarcastic comments, unless you have a solution for me, then you can make all the sarcastic comments you like.

Voted Hot. You also get free nectar points with linked nectar cards.
I remember some people voted hot for paypal credit but this is much better.

Approved and £3.5k limit thanks.

Totally agree with this, i tried to get this with a perfect credit score (993 of a maximum possible 999 on Experian) and was rejected outright. I was then accepted for a Virgin mortgage within the next 4 weeks followed by a Lloyds credit card with a credit limit of 15K a few weeks after. Wouldn't apply for a Sainsburys card again,
Your mileage of course may vary,

Sorry, I'm new to how credit cards work with these deals
If I got enough credit etc... I could in theory buy a £5k kitchen on this and pay £250 (Is minimum payment 5%?) a month over a couple of years until it was paid off and not pay any interest?

Not sure you'd save £10k mortgage interest in 2 years from a £10k overpayment..... (_;)

Is this for real? Did you get a mortgage from Wonga .con at 99% apr? oO

with the saved up mortgate interest :face_with_monocle:

You could for a couple of years, but then how will you pay the card off after that?

If you like however, you could spend on this card, and overpay your mortgage (subject to maximums without penalty). It would take a while, and you probably won't get a 10K limit on this card however.

Does anyone know if it's possible to get this card if you already hold another Sainsbury's card? (BT in my case).

Edit: Looks like NO. "Sainsbury's Bank Nectar Credit Cards are available to new Sainsbury's Bank Credit Card customers only."

I could be wrong, but ​don't think your mortgage company will accept payment from a credit card, you will need to find a money transfer card, but they usually have one off fees.

Any idea what the limit is on a card like this? Could I pay my £10,000 mortgage off saving me a lot of interest?

I posted a different deal for a balance transfer Sainsbury's card a few months ago and lots of people got accepted for that.

If you have doubts you will be accepted, suggest you look at your likelihood of acceptance via the moneysupermarket smart search tool, only a guide though, it's not pre approval.

moneysupermarket.com/cre…es/

I read on the previous deal of the "29 month 0% interest purchase" also from Sainsbury that nobody was able to pass their credit check.

Good luck with that.

Unreal deal...



Cheers chichi X)

I think you are the one who needs to calm down, you are upsetting others

Eh? maybe chillout yourself....

The response made to you was perfectly polite and factual. You're the one being "grouchy".

I think you can only double up £20 worth. But still...

5000 Nectar points is worth at least £25 at Nectar partners. If you can wait until the end of the year when JS do a Nectar double up, they're worth £50.

Thanks Chanchi :wink:

hotukdeals.com/dea…504

If you need fewer months as you get £25 cashback not everyone needs two and a half years to pay something off

Nice find.

I got the previous offer, only negatives are no mobile banking app and the online log in system is archaic.

Good post..good deal. Thank you.

Mmm very nice find...

Ta Chanci :grin:

Thanks chanchi. Hope this isn't a re-post! :face_with_monocle:



X)

Thanks OP. Heat added :smile: Thinking of applying one for Mrs :smile:

You wot son?

Alllllll right calm down dear. I thought the other was 31 months and I've just come back to say sorry it was 29. I'd read your post and title. We all make mistakes no need to get so grouchy

I can see a 0% for 29 month balance transfer and purchase offer posted - this is a card specifically for 0% on purchases - 31 months as per post

Posted already. I'm sure

Very handy indeed.

Hot :sunglasses:

Sainsbury's bank are not on cashback sites but if you go via comparethemarket can get 2 for 1 cinema tickets for a year. If you are already an existing comparethemarket customer you can get a Limited edition star wars toy.

comparethemarket.com/cre…es/

comparethemarket.com/gal…rd/