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  • FIRST POST
    • Cardinal-Red
    • By Cardinal-Red 7th Oct 17, 1:47 PM
    • 645Posts
    • 145Thanks
    Cardinal-Red
    Shopping Spree - 0% BT Card and Discount Vouchers - Can I make this work?
    • #1
    • 7th Oct 17, 1:47 PM
    Shopping Spree - 0% BT Card and Discount Vouchers - Can I make this work? 7th Oct 17 at 1:47 PM
    As part of our house move, we need to buy a lot of new stuff. Our plan is to buy on the current 39 month 0% balance transfer card for all of this.

    Then I realised that my employer offers some quite big high street discounts - 12% in Currys for instance. You'll be familiar with the deal... you buy top up cards at a discount which you use in store etc.

    I want to see if I can combine these two elements, because the portal for the discounts charges a hefty fee for paying by Mastercard or Visa.

    So can I:
    1. Pay for the discount card using my Visa Debit card
    2. Then balance transfer from that card onto my shiny new 0% card
    3. Then order my items through Topcash back to maximise the savings

    It feels a little too much like a cash transfer as opposed to a balance transfer, so presumably not allowed?

    Thanks!
    The above facts belong to everybody; the opinions belong to me; the distinction is yours to draw...
Page 1
    • zx81
    • By zx81 7th Oct 17, 1:55 PM
    • 14,359 Posts
    • 15,124 Thanks
    zx81
    • #2
    • 7th Oct 17, 1:55 PM
    • #2
    • 7th Oct 17, 1:55 PM
    You can't BT from a debit card, because it's a debit card.

    You use your own money when you use a debit card.
    • Cardinal-Red
    • By Cardinal-Red 7th Oct 17, 1:57 PM
    • 645 Posts
    • 145 Thanks
    Cardinal-Red
    • #3
    • 7th Oct 17, 1:57 PM
    • #3
    • 7th Oct 17, 1:57 PM
    You can't BT from a debit card, because it's a debit card.

    You use your own money when you use a debit card.
    Originally posted by zx81
    Ok but in a purest sense, if you moved money onto a debit card it would just increase your bank balance wouldn't it?

    I have for instance in the past BT'd onto a credit card that has no balance thus creating a credit.

    Would the BT request be refused because of the debit card number?
    The above facts belong to everybody; the opinions belong to me; the distinction is yours to draw...
    • zx81
    • By zx81 7th Oct 17, 2:01 PM
    • 14,359 Posts
    • 15,124 Thanks
    zx81
    • #4
    • 7th Oct 17, 2:01 PM
    • #4
    • 7th Oct 17, 2:01 PM
    You would need to do a money transfer, whereby you pay money from the card into your current account.
    • Cardinal-Red
    • By Cardinal-Red 7th Oct 17, 2:06 PM
    • 645 Posts
    • 145 Thanks
    Cardinal-Red
    • #5
    • 7th Oct 17, 2:06 PM
    • #5
    • 7th Oct 17, 2:06 PM
    Ok thanks. The 4% fees are worse that the credit card surcharges
    The above facts belong to everybody; the opinions belong to me; the distinction is yours to draw...
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