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  • FIRST POST
    • book12
    • By book12 21st Sep 16, 7:41 PM
    • 2,439Posts
    • 539Thanks
    book12
    Determining when the 0% offer ends
    • #1
    • 21st Sep 16, 7:41 PM
    Determining when the 0% offer ends 21st Sep 16 at 7:41 PM
    For example, you have a purchase or balance transfer card with 0% for 20 months, which you opened in September 2016.

    Do your think the end date is/should be:

    April 2018 (Taking into account that September as month 1, October month 2, November month 3 etc...)

    Or

    May 2018 (Taking into account that September is month 0, October is month 1, Novelvet month 2, etc...)

    ?
    Last edited by book12; 21-09-2016 at 9:05 PM.
Page 1
    • shortcrust
    • By shortcrust 21st Sep 16, 7:50 PM
    • 1,065 Posts
    • 1,282 Thanks
    shortcrust
    • #2
    • 21st Sep 16, 7:50 PM
    • #2
    • 21st Sep 16, 7:50 PM
    I've never been able to work it out accurately - my 0%s have always ended a bit later than I thought they would. Give them a bell or send a secure message via online banking. Then you'll know for sure.
    • pfpf
    • By pfpf 21st Sep 16, 7:56 PM
    • 4,063 Posts
    • 2,805 Thanks
    pfpf
    • #3
    • 21st Sep 16, 7:56 PM
    • #3
    • 21st Sep 16, 7:56 PM
    isn't it eg. "20 months from account opening"?
    open 20th Sept 2016 (day you are accepted for new card), offers last day would be 20th May 2018.
    Barclaycard and MBNA and probably others show the date any offers expire on your online statement.
    pfpf, the avatar previously seen as "the Monkey".
    • Superscrooge
    • By Superscrooge 21st Sep 16, 8:54 PM
    • 505 Posts
    • 345 Thanks
    Superscrooge
    • #4
    • 21st Sep 16, 8:54 PM
    • #4
    • 21st Sep 16, 8:54 PM
    Have you looked at your statement? Many CC statements give you this info.

    eg. on my Sainsburys CC statement it says 'Introductory rate 0% until 08/11/2017
    Last edited by Superscrooge; 21-09-2016 at 10:40 PM. Reason: typo
    • jayII
    • By jayII 21st Sep 16, 8:58 PM
    • 39,775 Posts
    • 105,820 Thanks
    jayII
    • #5
    • 21st Sep 16, 8:58 PM
    • #5
    • 21st Sep 16, 8:58 PM
    My online accounts tell me when the 0% runs out.

    I know the voices in my head aren't real, but sometimes their ideas are absolutely awesome!

    When you fall, I will be there to catch you - With love, the floor.




    • zx81
    • By zx81 21st Sep 16, 9:18 PM
    • 8,680 Posts
    • 8,509 Thanks
    zx81
    • #6
    • 21st Sep 16, 9:18 PM
    • #6
    • 21st Sep 16, 9:18 PM
    It depends on the card. Ask them or check your statements.
    • pfpf
    • By pfpf 22nd Sep 16, 12:42 PM
    • 4,063 Posts
    • 2,805 Thanks
    pfpf
    • #7
    • 22nd Sep 16, 12:42 PM
    • #7
    • 22nd Sep 16, 12:42 PM
    eg. on my Sainsburys CC statement it says 'Introductory rate 0% until 08/11/2017
    Originally posted by Superscrooge
    hi,
    I replied to the OP saying the very same and using Barclaycard and MBNA as examples as I have those cards.
    My mum has just had her 1st statement issued today from Sainsbury's and I have a couple of questions if you can help.

    the statement page is incredibly basic. spends, amount due, date due and that's it. it mentions nothing about the offer or expiry date, it also says estimated interest next month is £0.00 which is correct for the offer. is there a PDF version of the statement? does it come in email form later or indeed do they do things the old fashioned way and post a paper statement - I hope not.

    looking through the FAQ it also states that once the DD is setup it will show on the statement as set up - again no statement to check against.
    I am however now aware that online you can only setup DD payments for min payments, not a larger set amount - you have to send a paper mandate in for that - annoying.

    any advice appreciated.
    pfpf, the avatar previously seen as "the Monkey".
    • Superscrooge
    • By Superscrooge 22nd Sep 16, 5:35 PM
    • 505 Posts
    • 345 Thanks
    Superscrooge
    • #8
    • 22nd Sep 16, 5:35 PM
    • #8
    • 22nd Sep 16, 5:35 PM
    The expiry date of the Sainsburys CC promotional offer is shown on my paper statement.

    I have checked online and you are right the online statement which I agree is very basic, doesn't give this information and it doesn't appear possible to print off a pdf statement.

    Normally I opt out of paper statements, so I'm guessing I wasn't given this option with Sainsburys and that they post out statements to everyone??
    Last edited by Superscrooge; 22-09-2016 at 5:40 PM.
    • pfpf
    • By pfpf 22nd Sep 16, 7:32 PM
    • 4,063 Posts
    • 2,805 Thanks
    pfpf
    • #9
    • 22nd Sep 16, 7:32 PM
    • #9
    • 22nd Sep 16, 7:32 PM
    great info thanks.

    wow. very very basic online account and paper statements. how old hat is that
    now I have to remind mum on a monthly basis not to throw the statement in the bin, yet another thing to remind her

    they are doing maintenance to their website this weekend, hopefully we will have more options.

    thanks again.
    pfpf, the avatar previously seen as "the Monkey".
    • pfpf
    • By pfpf 25th Sep 16, 8:33 PM
    • 4,063 Posts
    • 2,805 Thanks
    pfpf
    they are doing maintenance to their website this weekend, hopefully we will have more options.
    Originally posted by pfpf
    back up. no option for online statements, but it does now have a message saying "refer to paper statement for more accurate information". so the online info is still VERY basic.

    you can now change to DD to a set amount now rather than sending in a paper mandate.

    cant get over paper statement only.
    pfpf, the avatar previously seen as "the Monkey".
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