This Post Office card offers you 0% for 30 months and will give you the full 0% period if accepted.
Need-to-knows You'll either get the full 30-month deal or you'll get rejected, unlike some cards in this guide where you may be accepted for the card, but given a shorter period at 0%. Make sure you fully clear the card(s) by the end of the 30 months or you'll be charged 18.9% interest on any remaining balance, though some poorer credit scorers could pay 22.9%. This card also offers balance transfers for 30 months at 0%, though you'll pay a 2.75% fee to transfer your debt to the card. Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.
15 comments
Biioniic11
26 Jun 17#15
Some credit card companies let you do a pre-eligibility check, and won't affect your credit rating as it only does a soft search
Biioniic11
26 Jun 17#14
Glad I'm not the only one who's not eligible for this credit card despite having a near perfect credit score...
zippypants
25 Jun 17#13
I applied for a loan and hoping to get the advertised rate of 3.1%, I have savings well in excess of the loan amount
in Santander 123 and other current accounts paying nearly as much as the advertised rate.
I was looking to neutralize the amount of the loan interest, but still have the money available to do other things with my savings if needed.
Credit score took a massive knock they offered me the loan but at 16.9 % obviously I rejected the loan.
I think the credit card companies / loans are getting wise to people who use their products sensibly.
GunnerGraham
23 Jun 17#12
I have /had excellent score,and was rejected.
Be careful lads and ladies,it registers on your credit search.
Anon32
23 Jun 171#9
Such a hard choice
ministrymason
23 Jun 17#8
Is all spending for 30 months 0% or only items bought in the first 60 days?
manicmidlander
23 Jun 172#7
They always reject me even though I have a 999 credit score. I suspect it's because I always clear my balance before the 0% period ends so they never make any money from me.
vdob91
23 Jun 17#6
I tried this with the Sainsbury's card and Honda finance wouldn't accept credit card as payment had to be a cheque or bank transfer... plan ruined! Check with your finance company what payment options they accept
Towelie
22 Jun 171#4
Should be potential £25 quidco too as I did it a few weeks ago.
Didn't get an instant decision though as had to verify my identity but got there in the end.
capesurfline
22 Jun 17#3
Can i pay my car finance off with this? Saving me the interest im currently paying.
Towelie to capesurfline
22 Jun 17#5
Entirely depends on how much credit then give you and from memory, there wasn't an option to apply for a specific amount.
If you get enough credit on this then in theory you should be able to although it may be stipulated in your terms and conditions that they do not accept credit card payment so may be worth checking on that first.
cliosport65 to capesurfline
23 Jun 171#10
it would be very unlikely that you could pay off debt with more debt. The only way to use a credit card in this situation is to get a money transfer card :wink:
declanmorrow
22 Jun 171#2
I'm more concerned with applying for it and maybe being rejected and reducing my credit score
JoeSpur to declanmorrow
23 Jun 17#11
Credit score is not as hard to fix as people make out. You can severely dent it and rebuild it all in the same year if you are quick enough with payments. It's one of those things that is more disheartening to see if you always keep a close eye on it than anything else imo :man:
Reebok.Ron
22 Jun 174#1
Hmmm, I'm not sure whether to go for the 30 months offer or the two and a half years offer. Anyone know which is best?
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Opening post
Need-to-knows
You'll either get the full 30-month deal or you'll get rejected, unlike some cards in this guide where you may be accepted for the card, but given a shorter period at 0%.
Make sure you fully clear the card(s) by the end of the 30 months or you'll be charged 18.9% interest on any remaining balance, though some poorer credit scorers could pay 22.9%.
This card also offers balance transfers for 30 months at 0%, though you'll pay a 2.75% fee to transfer your debt to the card.
Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.
15 comments
in Santander 123 and other current accounts paying nearly as much as the advertised rate.
I was looking to neutralize the amount of the loan interest, but still have the money available to do other things with my savings if needed.
Credit score took a massive knock they offered me the loan but at 16.9 % obviously I rejected the loan.
I think the credit card companies / loans are getting wise to people who use their products sensibly.
Be careful lads and ladies,it registers on your credit search.
Didn't get an instant decision though as had to verify my identity but got there in the end.
If you get enough credit on this then in theory you should be able to although it may be stipulated in your terms and conditions that they do not accept credit card payment so may be worth checking on that first.