0% Credit Cards

kimbyanne

I was wondering, can anyone apply for a 0% Credit Card or do they have strict T&C's? I have one credit card with Lloyds with just under £2k on, however the APR is really high on it so I want to do a balance transfer to a CC with 0% or low APR.

Thanks

MallyGirl

anyone can apply. Whether you will be accepted will depend on your credit history, salary, existing debt, etc.
There is an eligibility checker on here which will give an indication of the likelihood of acceptance without adding an extra search to your credit file.

Red-Squirrel_2

Definitely worth applying, I've been accepted for 2 0% cards in the last week! If you've only ever had that one card and you've never been late paying or missed any payments on anything then you'd have a good chance I reckon.

Just make sure to check eligibility criteria, for example I couldn't apply for the long 0% Barclaycard until recently as you need to be earning at least 20,000.