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BalanceTransfer card question

lockheed
lockheed Posts: 59 Forumite
edited 19 July 2012 at 2:16PM in Credit cards
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.

Comments

  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    lockheed wrote: »
    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?
    One of these...

    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?
    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?
    A quick check on the Barclaycard site will confirm this is not possible.
    I could also go for Halifax (also 22mnths but 3.5% fee applies).
    Any better options?
    See above.
    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.
    FSA rules dictate that all offers for cards must use a figure of £1,200 for the worked example of APR.

    Credit limits are subject to status, and you may get less than £1,200.
  • lockheed
    lockheed Posts: 59 Forumite
    Thanks. Is there some way to check which of the card I am most likely to get?
This discussion has been closed.
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