The AA* Dual Credit Card offers the longest-ever 0% spending period we've seen, though you could be accepted and offered fewer 0% months, which won't make it as good a deal.
Need-to-knows We say 'up to' 32 months as some poorer credit scorers may get 24 months at 0%. Make sure you fully clear the card by the end of the 0% period or you'll be charged 18.9% interest on any remaining balance. Poorer credit scorers could get a higher interest rate, up to 22.9%, but if you've cleared it by the end of the 0% period then this won't matter. Always pay at least the minimum monthly repayment, or you'll lose the 0% deal. The card also offers up to 16 months at 0% on balance transfers, but charges a high 2.89% one-off fee if you use it for this.
Great deal to use for a few big purchases say you spend £2000 on wachine machine, fridge oven etc... Over 32 months you could pay £62.50 a month and pay no interest even if i had the cash i'd do it this way and get section 75 protection
Edit- Thanks to charlie182008 You can get +£26 topcashback please note this is not guaranteed
10 comments
charlie182008
9 Jul 17#1
+£26 topcashback
cainer1 to charlie182008
9 Jul 17#3
i took this AA credit card offer last October with the offer of £40.40 cashback from TCB,
had to spend a lot of time chasing this up with TCB as it got declined,
they said it was declined because i hadnt made a purchase on the card.. when i had, i spent on it straight away to activate the card,
i finally got my money last month, check the feedback for this merchant on TCB first, a lot of people never got their CB
matedodgy
9 Jul 17#2
Very old fashioned application process for some people.
cainer1
9 Jul 171#4
TCB also have a very clever system for viewing merchant reviews that basicaly cons you into seeing higher rated reviews...
reading the reviews by default shows the highest rated first, which is expected..
so obviously you'd click the filter to choose newest ratings first, and here comes the con...
the first page will show newest ratings, but when you click to go to the 2nd page it auto goes back to show highest ratings, so you end up seeing the 2nd page of 'top ratings' rather than the 2nd page of newest results,
very clever con job going on there...
sydney2
9 Jul 172#5
Hi, could someone please explain how it works with the 32 months interest free, is it only for the first month spent, or is it 32 months recurring for each month? I don't know at all how it works, thank you for your help and how much is the annual fee? Thank you kindly
Buckyball
9 Jul 17#6
What stupid deal is this? So you don't pay interest on purchase for the first 32 month. That's a great marketing trick coz what they are hoping is that all the idiots accumulate a great amount of debt that they can't pay off then.
malachi to Buckyball
9 Jul 172#7
So they don't sign upto it or face the consequences if they don't play by the rules. Simple as that.
pimpchez to Buckyball
10 Jul 17#10
Ermm surely you would just do a balance transfer for a lower rate if you went down that route...
Marky264
10 Jul 17#8
Anyone know if AA Credit Cards are Contactless & Can be used with Apple Pay or Android Pay? Also how simple is the Online Portal & Is there an App for it as well?
Jetset1981 to Marky264
10 Jul 17#9
There is an app that's very simple to make payments, view transactions and set up direct debit etc. It's contactless but not sure about android pay.
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Opening post
Need-to-knows
We say 'up to' 32 months as some poorer credit scorers may get 24 months at 0%.
Make sure you fully clear the card by the end of the 0% period or you'll be charged 18.9% interest on any remaining balance.
Poorer credit scorers could get a higher interest rate, up to 22.9%, but if you've cleared it by the end of the 0% period then this won't matter.
Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.
The card also offers up to 16 months at 0% on balance transfers, but charges a high 2.89% one-off fee if you use it for this.
Great deal to use for a few big purchases say you spend £2000 on wachine machine, fridge oven etc... Over 32 months you could pay £62.50 a month and pay no interest even if i had the cash i'd do it this way and get section 75 protection
Edit- Thanks to charlie182008 You can get +£26 topcashback please note this is not guaranteed
10 comments
had to spend a lot of time chasing this up with TCB as it got declined,
they said it was declined because i hadnt made a purchase on the card.. when i had, i spent on it straight away to activate the card,
i finally got my money last month, check the feedback for this merchant on TCB first, a lot of people never got their CB
reading the reviews by default shows the highest rated first, which is expected..
so obviously you'd click the filter to choose newest ratings first, and here comes the con...
the first page will show newest ratings, but when you click to go to the 2nd page it auto goes back to show highest ratings, so you end up seeing the 2nd page of 'top ratings' rather than the 2nd page of newest results,
very clever con job going on there...