Balance transfer query

SR1

Just want to run something past you
I would like to make a purchase on my credit card then apply for a 0% card and balance transfer to new card. However I. Just a bit bothered I will be declined for new card after already making purchase on existing card( although I don't think I will ).
Can I apply for the card first, balance transfer the amount I want at the same time ( even though the balance won't be on my existing card at the time) then make the purchase with existing card straight after?
Thanks

YorkshireBoy

Should your plan create a positive balance on the purchase card, how large will it be?

However, even if you wait until the new card application has been accepted - before making the purchase - you're still running a risk. Some people on here have reported getting a card, receiving the PIN, and then receiving a letter telling them the account has been closed...all within the space of a week!


Could you either:


1. Delay the purchase, and if so...


2. Get a 0% on purchases card instead?


Obviously if you need the extended 0% period a BT card offers then the above is a no-go.




Edited to add: Should you spend from a positive balance, the goods may not enjoy section 75 protection (because you were spending your own money, not the card provider's).

jonesMUFCforever

Apply for the card first just in case you don't get it.