HSBC 9 months 0% Xmas Offer

shellyd_3

We applied for this on the phone last night. Got cl of 4k, we now have to go into the branch to sign and take ID. we should have the card 10 days later.
A point to note is, I went into the branch to apply in the first place, made a special trip. they don't even have application forms to give out. it has to be online or phone.

not an expert at this. I have done 1 balance xfer to my m&s one card then put it away as advised. but with the HSBC card it say b/t and purchases for 30 days, does this mean I can also spend on it for 30days then put it away.
Sorry if this a a stupid question I just don't want to pay any interest.

Thank you

Shelly

grumbler

shellyd wrote:

...but with the HSBC card it say b/t and purchases for 30 days, does this mean I can also spend on it for 30days then put it away.

http://www.hsbc.co.uk/1/2/personal/credit-cards/hsbc-bank-credit-card :

0% on purchases for 9 months from account opening.
0% on balance transfers for 9 months, made within 30 days of account opening.

30 days is for BTs only ...

shellyd_3

Thanks Grumbler, but me being a "bit thick an all" dose this mean I can spend on my card for 9 months and not pay interest.( not sure at all on how the system works) when I done the B/T to my one card the man advised not to use the card for purchases or I would end up paying interest even if I paid the cost of the purchases each month because the payment is allocated to the 0% amount first.

Thanks michelle

JCL

Got a mailshot from HSBC with a pre-populated form. Have signed and returned as seemed like a good deal and still not heard anything from the Post Office regarding my application for their 0% card.

grumbler

shellyd wrote:

... me being a "bit thick an all" dose this mean I can spend on my card for 9 months and not pay interest.

Yes, if you make minimum payments on time

when I done the B/T to my one card the man advised not to use the card for purchases or I would end up paying interest even if I paid the cost of the purchases each month because the payment is allocated to the 0% amount first.

This advice is absolutely correct for a card with 0% on BTs only, not on purchases ...

rudedog_2

Anyone else received their card yet? was approved and sent back the agreement almost 2 weeks ago. Would be good to hear what CL's others have received.

dog

alared

If I applied by phone,do I get an instant decision?

smartsaver

rudedog wrote:

Anyone else received their card yet? was approved and sent back the agreement almost 2 weeks ago. Would be good to hear what CL's others have received.

dog

When I applied last year, I waited for ages then was told to go into a branch with my passport and was signed up there and then. I'd give them a call 0800 3281278 and if you get no joy pop into a branch with your passport.

alared

Phoned tonight got instant decision and also C/L

Tr@cker

Who are HSBC ? Are they connected to any of the other high street banks ?