Barclaycard 0% 12 month cheques

p1an0player

Seaxwyn wrote: »

Hi Jen, I had the same offer and rang Barclaycard to ask. They said that you could NOT use the cheques to clear an overdraft - only a credit card, store card or loan.

I think it's worth reading the T&Cs as well as call centre staff sometimes just guess

rodent

p1an0player wrote: »

I think it's worth reading the T&Cs as well as call centre staff sometimes just guess

Yes, quite agree ...3 phone calls will very often give 3 different answers !!
Just make sure you note date time and csa name of the answer you like the best !;)

The Rodent

jen_a_c

Ok I read the T&Cs over the weekend and there was nothing in there which stated what the cheques could and couldn't be used for. The only "condition" in there is that you mustn't exceed 95% of your credit limit. As well as the usual stuff about promotion reverting to standard rate if you miss a payment.

So fingers crossed, it'll be ok.

Thanks for your replies.

Seaxwyn

Good luck Jen! Hope it works out. I've just phoned the call centre again and got a different answer so I don't know what to do now! I'm wondering whether to go into the branch for a third opinion.....

Stella1971

jen_a_c wrote: »

Ok I read the T&Cs over the weekend and there was nothing in there which stated what the cheques could and couldn't be used for. The only "condition" in there is that you mustn't exceed 95% of your credit limit. As well as the usual stuff about promotion reverting to standard rate if you miss a payment.

So fingers crossed, it'll be ok.

Thanks for your replies.

I've received cheque too, I can't see anything that says you cannot pay yourself, only cannot be used to pay other Barclaycard accounts.

Also double check though as I'm sure it's 90% of your available balance NOT 95% - you don't want to get caught out :eek:

jen_a_c

I paid this into my account yesterday so fingers crossed!

emili1001

Curious to know how did it go jen_a_c?

Any trouble?

1001

Granville23

She never reported back then...

izools

Maybe they cancelled her Broadband direct debit so she couldn't share her success with others LOL

Granville23

Well I have reopened this thread so I wiil continue and see if anyone has used these to pay into there account.

I received some for 12 months @ 0% and it doesnt say anything on the accompanying letter whether one can use them this way or as an ordinary cheque. It does say that one will not receive protection under section 75 of the consumer credit act if later there is a dispute, and that purchse delivery protection does not apply to purchases made with ccc's.

I interpret from that, that one can use them for payment of goods. It also says on there website here: http://www.barclaycard.co.uk/personal-home/credit-guidance/credit-card-guide/how-much-will-my-credit-card-cost-me/index.html
What about credit card cheque fees?

We may send you credit card cheques. You can use these to pay off other credit cards or loans, or pay them into your bank account as a convenient way of borrowing money.


But i cant find anything in theT & C's, I could phone CSO but with past experience I have got conflicting information.

thanks