Balance Transfer QUERIES

blacksta

I have a limit of 4000k on barclaycard with a 10 months at 0% As i can only transfer 90% which is 3600k
as i also have 3 months purchase at 0%. My question is 1 can i spend the 400.00 2, will it affect the 3600 transfer after the purchase rate as expired. How can i get the remaining out under the 0% deal

Thanks

blacksta

Anybody please

YorkshireBoy

The Barclaycard's order of payments mean your minimum payments will be applied to your 0% BT balance first. Any purchases you make will start to attract (17.9% APR?) interest from day one until you clear the complete balance.

The remaining £400 is available credit that you can't use (at 0%).

JBsplit

i have a similar question.

lets say i have a £2k limit and 0% on transfers, can i take it all out in cash then transfer is out and then back in and get the 0% on a transfer. meaning £2k cash intrest free.???

blacksta

can i do another balance transfer on the remaining £400.00

YorkshireBoy

blacksta wrote:

can i do another balance transfer on the remaining £400.00

Check your own T&C's, but from memory anything you BT over and above 90% of your credit limit will be at 6.9% APR with no fee. It might also have to be done during the first 60 days. The good thing is that I *think* your payments will be applied to this debt before your 0% BT - but check your T&C's (specifically the 'order of payments') to confirm.