Can I use this CC to make purchases on??

MrJester

YorkshireBoy wrote: »

There's no need for the OP to come back is there?

They took (presumably) a £950 BT (max allowed at 95%).
The min payments are 1%, so just under £10 a month.
They've so far repaid £60 so they have £110 available (£1,000 - £950 + £60 = £110).
So they're around 6-7 months in, and STILL have 0% on purchases, according to their statement.
My guess, based on the above, is that it's a 13/13 or a 15/15 month card, ie 0% on both purchases and BTs for over a year.
My 'guess' is based on the fact that Halifax cards (around 6 months ago) were either, say, 28/3 months or same on both.

So, the OP asked 2 questions:

1. Do I have 0% on purchases? and

2. Will I get charged a lot?

The answer to Q1 is "yes" (because the statement says so!), and the answer to Q2 is "it depends on how quickly you can clear the £110" (because from now on all payments go towards reducing the purchases balance before the BT balance).

Hi all, sorry yes to confirm, this post ^ is basically correct.
Though I'm not sure how long the 0% purchases lasts for, I'd need to check my contract or give them a ring to confirm.
As currently I have around £800 on a 0% BT on the card which is 0% until July 2016(!), and I transferred another £100 which is 0% until Feb 2015.
But purchases? I'm going to assume it's on the original deal so 0% until 2016? But of course I will check.

YorkshireBoy

JoeJester wrote: »

But purchases? I'm going to assume it's on the original deal so 0% until 2016? But of course I will check.

It's been a while since I've had a Halifax credit card, but I've had many over the years and the 0% end date (for both BTs and purchases) was always printed on every monthly statement.

But since you originally asked your question last Saturday, and today is Tuesday, you must be out of the country...otherwise you'd have made a quick phone call by now!

MrJester

YorkshireBoy wrote: »

It's been a while since I've had a Halifax credit card, but I've had many over the years and the 0% end date (for both BTs and purchases) was always printed on every monthly statement.

But since you originally asked your question last Saturday, and today is Tuesday, you must be out of the country...otherwise you'd have made a quick phone call by now!

I called them and found out my end dates for 0% etc, forgot to ask about this.

But checking my most recent statement online, from 24 Oct 2014 purchases rate will go from 0% to 21.95%.
So question about that, as of 24 Oct 2014 if there are purchases outstanding (not paid off) on the card, once it hits the date will I then begin charged an amount on it?
Just unsure whether it matters when you make the purchase or not.