Best 0% card is Harley-Davidson ?

b*ggerlugz

Under 'top Tart cards' (and I am a rate tart) Martin shows the NSPCC Card as being amongst those 'with no fee during the introductory offer'. So I apply for the same online - rather pleased with a near £8k credit limit approved - just the job for a BT to continue stoozing of my offset mortgage!

The paperwork duly arrives, and blow me down, it states a 2% BT fee. HBOS Call Centre person duly confirms this applies during introductory 0% offer. Back to the drawing board..........

Tr@cker

Have you got an Amazon card ? This one is BT fee-free and 0% for BT's and purchases for 6 months, pretty good on credit limits too.

gingercordial

Just to confirm the BT fee point (on the Macmillan card at least), I did my BT today fee-free, but only after having to ask the operator to go and ask a supervisor, as he was convinced there should be a fee. I have since confirmed both with another operator (whilst setting up my DD) and my online banking that no fee has been applied.

However, I was only allowed to BT 90% of my CL, which I can't find in the T&C's. This was confirmed by operator #2. Any similar experiences?

HGLTsuperstar

ginger, I've got the Guide Dogs card, from the same stable, just waiting for it to arrive to do BT. I do recall in the initial literature on the net at the time of applying that max BT is 90%, but with no fee and 9 months at 0% with a nice CL, I'm not complaining. However, need to check, it may be possible to do 90% BT of CL then another 90% of the remaining 10%, so effectively 99% BT, as sais though check that first

poppyflower_2

Barclaycard Are Doing 10 Months Bt At 0% And 3 Months Purchases
0%
Best Of All There Is No Transfer Fee!!!!!!!!!!!!!!!!
So Long As Transfer Is Made Within 60 Days Of Account Opening

gingercordial

HGLTsuperstar wrote:

ginger, I've got the Guide Dogs card, from the same stable, just waiting for it to arrive to do BT. I do recall in the initial literature on the net at the time of applying that max BT is 90%, but with no fee and 9 months at 0% with a nice CL, I'm not complaining. However, need to check, it may be possible to do 90% BT of CL then another 90% of the remaining 10%, so effectively 99% BT, as sais though check that first

Thanks HGLT. I will ring up and try the extra BT, but he did use the phrase "90% of your credit limit" rather than "90% of your available balance" so may not be possible. Mind you, given he didn't know about the correct fee situation that might just have been his ineptitude!

HGLTsuperstar

Just to confirm, it is 90% of "available credit", and also got confirmed that no BT fee as promotional period, but the date of opening account is officially just under a month before card arrived and able to do BT, so moaned about this and got the 9 months to start from day of transfer. RESULT!

brranger

halifax one has bt at 0% for 12 months then rate is 15.9%

Ranger

Dumbledore55

Yay, got accepted by Macmillan - 0% on BTs for 9 months - not sure of the credti limit yet but asked for a £5000 BT so fingers crossed!

HGLTsuperstar

It would have said your CL on the final stage of the online process