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Best 0% card is Harley-Davidson ?
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allerseelen
Posts: 8 Forumite
The Harley-Davidson Platinum Credit Card seems to be a good card with 0% for BTs for 9 months with zero fee. It is by Bank of Scotland at https://www.picture-cards.co.uk
The Ts and Cs state "5.2 We may charge a handling fee of 2% (at least £2) for balance transfers and cheques offered at special promotional rates other than a special promotional rate you received when your account was opened." I think that means zero fees for the 0% period. The Ts and Cs for the BoS One card make it clear that a fee will apply.
Also step 1 of the Bank of Scotland One Card application says -
"Typical 15.9% APR Variable
0% for 12 months on Balance Transfers
0% for 3 months on Purchases
Balance transfer fee of up to 2%"
The Harley-Davidson card does not mention a fee at this point but does have 9 months for both. However I cannot find a phone number for the Harley card on the picture-cards site which is a little worrying. I guess it is internet only.
I will be applying for this or the Co-op card tomorrow night so any feedback by someone who has this would help. I fancy the Co-op card because they say they will match my current credit card limit which is a lot higher than the usual 5 or 6k I usually get.
The Ts and Cs state "5.2 We may charge a handling fee of 2% (at least £2) for balance transfers and cheques offered at special promotional rates other than a special promotional rate you received when your account was opened." I think that means zero fees for the 0% period. The Ts and Cs for the BoS One card make it clear that a fee will apply.
Also step 1 of the Bank of Scotland One Card application says -
"Typical 15.9% APR Variable
0% for 12 months on Balance Transfers
0% for 3 months on Purchases
Balance transfer fee of up to 2%"
The Harley-Davidson card does not mention a fee at this point but does have 9 months for both. However I cannot find a phone number for the Harley card on the picture-cards site which is a little worrying. I guess it is internet only.
I will be applying for this or the Co-op card tomorrow night so any feedback by someone who has this would help. I fancy the Co-op card because they say they will match my current credit card limit which is a lot higher than the usual 5 or 6k I usually get.
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Comments
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Not seen this but HBOS also do a Halifax one card and from the blurb you've given I think the T&C's are the same. The 0% BT is for 12 months and 3 months 0% purchase.0
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magentadreamer wrote:Not seen this but HBOS also do a Halifax one card and from the blurb you've given I think the T&C's are the same. The 0% BT is for 12 months and 3 months 0% purchase.
The Halifax One card is the same as the Bank of Scotland One Card, both of which have 12/3 months but a 2% fee. The Harley card is 9/9 months and no fee, I think.0 -
my apologies I didn't read the whole of your post - I thought the HBOS T&C's you posted where the Harley ones.0
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Never heard of this card but good rule is always ask at the time of application, so if they say (god forbid..10% BT fee, JOKE!) you can pull out without wasting a credit check. And if you ask them outright what their max CL is you'll have an idea, but probably expect to get less than that0
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The T&C's give the following number to call if your card is lost or stolen.......0845 300 0344.allerseelen wrote:However I cannot find a phone number for the Harley card on the picture-cards site which is a little worrying. I guess it is internet only.
Searching this number on https://www.saynoto0870.com gives the following HBoS Card Services freephone numbers...
0800 0324032
0800 0321371
0800 0286666
That is also my interpretation.I think that means zero fees for the 0% period.
Please feedback with the outcome of your phonecall.
EDIT: Don't forget that the Co-op cards now have a 2% (max £50) BT fee. YBS and Stroud & Swindon building societies also run Co-op 'affiliate' cards, but without the 2% BT fee.0 -
After spending half an hour on the phone the best number to ask about the BoS cards is 0800 3896677. However they had never heard of the Harley-Davidson card, I guess it is very new. I took a tour through most of the cards on the charitycard.co.uk website that BoS also supply and found the following cards also do 0% for 9 months with no apparently no fee -
Macmillan Cancer Relief Platinum Credit Card
Guide Dogs Platinum Credit Card
Mencap Platinum Credit Card
NSPCC Platinum Credit Card
I called the number again and asked about the Macmillan card and they confirmed it is definately zero fee for BTs. Comparing the Ts + Cs with the Harley card seems identical, including the 5.2 section mentioned above.
There are also Professional, Union and Graduate cards with similar offers but they might require things like Union membership so I would avoid them to be safe.0 -
Note the APRs vary by card - presumably affected by the commission paid to the sponsor/charity etc.allerseelen wrote:After spending half an hour on the phone the best number to ask about the BoS cards is 0800 3896677. However they had never heard of the Harley-Davidson card, I guess it is very new. I took a tour through most of the cards on the charitycard.co.uk website that BoS also supply and found the following cards also do 0% for 9 months with no apparently no fee -
Macmillan Cancer Relief Platinum Credit Card
Guide Dogs Platinum Credit Card
Mencap Platinum Credit Card
NSPCC Platinum Credit Card
I called the number again and asked about the Macmillan card and they confirmed it is definately zero fee for BTs. Comparing the Ts + Cs with the Harley card seems identical, including the 5.2 section mentioned above.
There are also Professional, Union and Graduate cards with similar offers but they might require things like Union membership so I would avoid them to be safe.0 -
Macmillan Cancer Relief Platinum Credit Card
Guide Dogs Platinum Credit Card
Mencap Platinum Credit Card
NSPCC Platinum Credit Card
I don't mind screwing the banks for money but I think I'll stop there, screwing the above for money is a step to far with stoozing if you ask me! my principles get the better of me.0 -
Aren't we still milking the CC provider (ie Halifax)? I read that the charity receive money from Halifax for BT and so they gain from stoozing (and for the initial opening of the card)?0
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Applied for the Macmillan card online today and was accepted instantly with a good credit limit, despite already having a Halifax One card and declaring this on the application (wouldn't have been able to BT from it though).
I hope we are still milking the CC provider. It did cross my mind but I'm sure in these situations it's normally the charity that gets a kickback from the CC provider, not the other way round - otherwise I wouldn't have done it.0
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