Barclaycard 34month b/t card. Advice please

Archer0710

I have just been accepted for the above card with a large limit and full 34month 0% offer!

After I picked myself up off the floor :rotfl:after years of never applying for anything main stream, I figured if I t/x the two small outstanding amounts they'd be paid off in less than a year without even altering our monthly payment amounts.

When I applied I requested my Lloyds c/card be b/t over. Do Barclaycard do this automatically or do I have to do it?

Does the b/t fee have to be paid in advance or is it added to my credit balance?

Finally does the amount need to come below my b/t amount including or excluding fees?

I have literally no idea:o

Paully232000

Archer0710 wrote: »

I have just been accepted for the above card with a large limit and full 34month 0% offer!

After I picked myself up off the floor :rotfl:after years of never applying for anything main stream, I figured if I t/x the two small outstanding amounts they'd be paid off in less than a year without even altering our monthly payment amounts.

When I applied I requested my Lloyds c/card be b/t over. Do Barclaycard do this automatically or do I have to do it?

Should be automatically applied to your barclaycard account if you have already inputted the Lloyd details and amount.
Does the b/t fee have to be paid in advance or is it added to my credit balance?
fee is added to your balance on your barclaycard

Finally does the amount need to come below my b/t amount including or excluding fees?
for barclaycard the total amount allowed to balance transfer is usually 90% of the limit on your card, including any fees
I have literally no idea:o

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Archer0710

Thank you!

The Lloyds part is definitely not currently showing but I will wait a few more days before I ring them.

I shall apply to move the other card over too as I can and then just pay the b/t fee plus monthly amount straight away.

I assume that I still need to make monthly payments even though it's 0%?

I told you I was clueless but I want to get it right :A

Paully232000

Archer0710 wrote: »

Thank you!

The Lloyds part is definitely not currently showing but I will wait a few more days before I ring them.

If you have literally only just been accepted it will take a few days (maybe a week) to show as removed from one card and on your new card. Just wait a while til you phone.

I shall apply to move the other card over too as I can and then just pay the b/t fee plus monthly amount straight away.
I think you have 60 days (do check) from opening to transfer and still get the 0% deal but better to do it asap.
I assume that I still need to make monthly payments even though it's 0%?
Yes, I would set up a DD for the minimum amount if you haven't already, and then you can always pay more if you want to on months that you have a bit more money.

I told you I was clueless but I want to get it right :A

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