0% balance transfers and purchases

kayleighj_2

Are there any other apart from the virgin one avali, as i've been declined for that.

I have a credit card but have never used it and have no idea of the rate and i've cut the card up, whoops!
I need something as a fall back so when i dont buy petrol and get my card refused i dont have to find the money to go and pay them back later

NickX

I believe Halifax offer 10 months at 0% on both Balance Transfers and Purchases.

Hope this helps.

kayleighj_2

thanks!!

~Chameleon~

Lloyds Advance is also 0% purchases for 6mths and the normal rate on that card is a decent rate at 11.9% APR.

jonesMUFCforever

The golden rule IMO is never mix balance transfers and purchases on the same card.

NickX

jonesMUFCforever wrote: »

The golden rule IMO is never mix balance transfers and purchases on the same card.

That is also Martin's Golden Rule.

However, I believe there is an exception when the durations of the Balance Transfer and Purchases promotions are identical as is the case with the Halifax deal.

lisahobden

tesco are doing 12 months 0% on purchases on their clubcard credit card and you will get clubcard points too

jonesMUFCforever

NickX wrote: »

That is also Martin's Golden Rule.

However, I believe there is an exception when the durations of the Balance Transfer and Purchases promotions are identical as is the case with the Halifax deal.

How are payments apportioned at the end of the promotional period?

kayleighj_2

How many credit cards can u apply for? does this give you a bad rating?

NickX

jonesMUFCforever wrote: »

How are payments apportioned at the end of the promotional period?

It doesn't matter if the 2 promotions end at the same time.

~Chameleon~

jonesMUFCforever wrote: »

How are payments apportioned at the end of the promotional period?

Well, presumably the idea is to clear the balance at the end of promotion so it shouldn't make any difference