Confused about 0%

motivated

Hi all appologies if this is confusing but any advise would be grateful.

I have 2 argos store cards and a catalogue all 3 balances combined are approx £1,600. My husband has a 0% barclaycard for 21 months. Apparantly you can't balance transfer argos store cards to barclaycard, not sure about the catalogue. I was wondering if we paid the balances off with the barclaycard how this affects the 0% deal thingy.

I'm sorry if this sounds confusing.

jon142

motivated wrote: »

Hi all appologies if this is confusing but any advise would be grateful.

I have 2 argos store cards and a catalogue all 3 balances combined are approx £1,600. My husband has a 0% barclaycard for 21 months. Apparantly you can't balance transfer argos store cards to barclaycard, not sure about the catalogue. I was wondering if we paid the balances off with the barclaycard how this affects the 0% deal thingy.

I'm sorry if this sounds confusing.

I Believe argos cards don't have a 16 digit card number. like a normal credit card and this is the reason you can't transfer the balance over. what you will need is a SUPER BALANCE TRANSFER.

This will allow your " credit limit " to be transfered to a Bank Account and then you can pay it off the argos cards or use it as money. SBT ( SUPER BALANCE TRANSFER ) normaly have a fee of 4%+ however not all credit card compainies do them.

motivated

Thankyou
you are correct about the 16 digit number it keeps saying this is wrong.
However the barclaycard still has lover APR than all of the other three

Thanks again i will look into it

jon142

motivated wrote: »

Thankyou
you are correct about the 16 digit number it keeps saying this is wrong.
However the barclaycard still has lover APR than all of the other three

Thanks again i will look into it

Alternativly can't you pay like with your Barclaycard on the argoscard payment screens?

motivated

I know i am so naive but just logged on to my argos card and it says you can make a payment using MastercardDebit/ visa debit/Maestro. So still not sure

If i pay the balance is this classed as a purchase etc and not BT and Im assuming I will be charged at the 17% straight away. At least i will have only one balance at a lower rate as opposed to 3 seperate ones.
Thankyou for putting up with me being a div.