help wanted

payneardo

can anybody help me, I am wanting to get a credit card with 0% on balance transfer for a s long as possible.

Which are the best cards to go for?.

I cuurently have an egg card & a first direct both with zero balances.

Need to start paying deposits for a wedding and dont really want o to be charge 12% interest or get a loan as I hope to pay it off over 24 months

Thanks in advance

Payneardo

Reaper

LLoyds TSB does the Advance card with 0% on BTs for 12 months (but never use this for purchases as it has a nasty catch).

Alternatively if you can pay for weddings things using a credit card then Sainsburys do a credit card with 0% for 12 months on purchases.

sly_dog_jonah

payneardo wrote:

can anybody help me, I am wanting to get a credit card with 0% on balance transfer for a s long as possible.

Which are the best cards to go for?.

I cuurently have an egg card & a first direct both with zero balances.

Need to start paying deposits for a wedding and dont really want o to be charge 12% interest or get a loan as I hope to pay it off over 24 months

Thanks in advance

Payneardo

LloydsTSB Advance card. 12months 0% for BT's made in first 6 weeks. I applied online weds eve, instant acceptance, credit agreement arrived friday morning and i phoned on the thurs to find out credit limit: £10k

DOH! Reaper bears me too it. Apply ASAP though cos Martin reckons its gonna get pulled soon.

payneardo

thanks very much, going to have a look now at that one

Also looked at the virgin one with 9 months interest free as well, these seems good as well

Just a quick question, If I have a zero balance, can I still do a balance transfer to put one of my cards in credit and then use it normally untill I have spent the amount of the balance transfer or do they check your balance 1st ?

Cheers

payneardo

Reaper

You can put another credit card in credit as they do not know what your balance is. Technically this is against the T&C as BTs are meant to be for transfering debt but in practice nobody has ever had a problem doing it.

Note that if you were to put your Egg card in credit they allow you to then BT the money to your bank account. (This is how stoozers make their profits as they then move the money on to a high interest savings account.)

Martinslovechild

Citibank are doing a card which offers 9 months 0% and is fee-free