Post Office Credit Card - 0% on purchases and BT for 6 months - no BT fee

JCL

Tried to do a search to see if this has already been posted but the facility seems to be down at the moment.

New credit card from the Post Office looks good and a rarity these days in that there's no balance transfer fee:

0% p.a. on purchases for six months
0% p.a. on a balance transfer for six months
Free purchase protection
Optional payment protection
A choice of three cards to meet everyone’s needs
No annual fee
Competitive standard rate of 14.9% APR typical (variable)

Only term I could see with regards balance transfers is this one:
* One credit card balance can be transferred at the time you apply for your Post Office® credit card.

No mention of a BT fee at all in the charges/fees section.

Seems good to me. Think I'll apply.

More information:
http://www.postoffice.co.uk/portal/po/content1?mediaId=22100390&catId=21600438

smartsaver

It seems to be owned by The Bank of Ireland and MAY do searches with exquifax and experian. Sounds an goody but I think I'll wait until some of my cards are paid off as I had a couple of rejections back in the summer..

iceburn

JCL other advantage point is you can transfer £500 - £2000 purchase say a new computer, holiday, etc to a payment plan. So pay only 6.8% over 12 months to pay it off. Also I would give my code but I think not really allow here. So I would suggest you goto your local "SUB" postoffice and ask for their FAD code or pick up a leaflet. Than when it say where did you hear about it, choose leaflet from post office, and than type their FAD code, Cause they will then get a small payment which will more likely to keep it open and also keep SAM/HOA off their backs about meeting certain targets. Cause some offices are getting massive pressure to sell some of these JV products.

JCL

Didn't view the payment plan as a good thing at all.

Why pay any interest? Just get 0% from somewhere.