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BalanceTransfer card question
lockheed
Posts: 59 Forumite
I have a Barclaycard coming to an en of the 0% 14 month grace period. The limit on it is 3500 and right now I used up about 2200GBP.
I would like to get a new card with long 0% on Balance Transfers (purchases would be good, too, but it's a secondary concern). What would be my best option?
Another Barclaycard looks very good (22mnth on BT, 1.5% fee) but can I get another card form them, when I already have one, and the use it to make a BT?
I could also go for Halifax (also 22mnths but 3.5% fee applies).
Any better options?
By the way, all those card usually have credit limit of 1200 on the ad, and so did my old Barclaycard, but once I applied, I was given 3500 limit instead. Could I expect the same thing with my new card?
My credit rating should be at least as good, if not better, now.
I would like to get a new card with long 0% on Balance Transfers (purchases would be good, too, but it's a secondary concern). What would be my best option?
Another Barclaycard looks very good (22mnth on BT, 1.5% fee) but can I get another card form them, when I already have one, and the use it to make a BT?
I could also go for Halifax (also 22mnths but 3.5% fee applies).
Any better options?
By the way, all those card usually have credit limit of 1200 on the ad, and so did my old Barclaycard, but once I applied, I was given 3500 limit instead. Could I expect the same thing with my new card?
My credit rating should be at least as good, if not better, now.
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Comments
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One of these...I would like to get a new card with long 0% on Balance Transfers (purchases would be good, too, but it's a secondary concern). What would be my best option?
http://www.stoozing.com/0fees.php
You can sort the table by 'duration' by clicking the 0% column header. Then visit their respective websites to see if the 0% on purchases period meets your requirements...or better still, get another card for purchases.
I trust you have a plan for repaying this, being as you seem to be racking up significant spend, BTing it, and then spending some more?
A quick check on the Barclaycard site will confirm this is not possible.Another Barclaycard looks very good (22mnth on BT, 1.5% fee) but can I get another card form them, when I already have one, and the use it to make a BT?
See above.I could also go for Halifax (also 22mnths but 3.5% fee applies).
Any better options?
FSA rules dictate that all offers for cards must use a figure of £1,200 for the worked example of APR.By the way, all those card usually have credit limit of 1200 on the ad, and so did my old Barclaycard, but once I applied, I was given 3500 limit instead.
Credit limits are subject to status, and you may get less than £1,200.0 -
Thanks. Is there some way to check which of the card I am most likely to get?0
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