Sainsburys Credit Card

DuncanMiller

Hi all,

Does anyone know the difference between the Standard and Platinum sainsburys cards? Ive had a look through their site and can't seem to find any differences.

They both seem to offer the low rate balance transfer for life deal so I'm not sure which one to apply for.

Regards

Duncan

DuncanMiller

Any one any ideas at all??

Milarky

* emergency medical and legal assistance abroad

..with the Platinum is the one added difference summarised between the two I have spotted. That and a higher range of credit limits, I imagine...

HTH

dwarfer01

good luck with this, they rejected me and i have a good to very good credit score, was applying for balance transfer though. you might want to apply for the card and inform them of any balance transferes once you have recieved the card. assuming they let you do this, i cant remember.

DuncanMiller

really - thats strange on the "best balance transfer card" article MSE seems to advise this card is better for people with not so perfect scores? With a good score i would imagine you should have had no probs.

Only reason i was thinking about this over the Barcalys one is my partner has some late payment marks on her history from an old single point account (they shouldn't be there but thats another story) and we are financially linked via our bank account, which im pretty sure they take into account these days!

Maybe I'll jsut ahve to apply and see as I want to do some rejigging!

Duncan

Saucepot

I got the platimum as it had 0% on purchases for 10 months, which is a handy way of buying my new motorbike. The standard didn't have this. I think they were identical in all other aspects though.

I've tarted around a fair few cards over the past few years and despite this got the card. The limit is less than previous cards, about a half, but still enough. You can request an increase in any case when you log into the account.

Adam_uk_3

Who runs this card for Sainsburys? Is it Halifax like Charity cards? Or do they do it themselves?

C_Ronaldo

is it not rbs

King_Of_Fools

Sainsbury's_Bank wrote:

Sainsbury's Bank plc is a joint venture with 45% of the share capital owned by the Governor and Company of the Bank of Scotland, a subsidiary of HBOS plc. Sainsbury's Bank plc, St Andrew's Life Assurance plc and St Andrew's Insurance plc are connected companies as the ultimate parent company of St Andrew's Life Assurance plc and St Andrew's Insurance plc also has shares in Sainsbury's Bank plc.

I assume that Sainsbury's own the other 55% and this is why some people have reported being able to transfer Halifax balances to a Sainsbury's credit card.

Call_Centre_Monkey

Sainsburys Bank is a joint venture between Bank of Scotland (HBOS) and Sainsburys.

It is viewed as a completely separate bank when it comes to Balance Transfers, so it is possible to do BTs between Sainsburys card and HBOS cards, and vice-versa.