Which 0% credit card now?

rainbowdust33

Just noticed my 0% Barclaycard has ran out and I've been charged interest for the first time, so time to move to something else and do a balance transfer.

It can't be with halifax, as I already have a credit card with them (it's not 0% anymore either so has nothing on it).

Which is the next best? Or is it possible if I ring Barclaycard to say I'm considering looking elsewhere they will extend the 0%?

Thanks

grumbler

rainbowdust33 wrote: »

Just noticed my 0% Barclaycard has ran out and I've been charged interest for the first time, so time to move to something else and do a balance transfer.

It can't be with halifax, as I already have a credit card with them (it's not 0% anymore either so has nothing on it).
Which is the next best?

• Balance Transfer Credit Cards

- make your choice.

Or is it possible if I ring Barclaycard to say I'm considering looking elsewhere they will extend the 0%?

Why on earth would they do this? Because you accidentally paid them 1 month worth of interest?

PETIE

grumbler wrote: »

Why on earth would they do this? Because you accidentally paid them 1 month worth of interest?

Because by extending the 0% they may get extra interest payments when the new offers ends, rather than no more payments if he changes to a new card

rainbowdust33

PETIE wrote: »

Because by extending the 0% they may get extra interest payments when the new offers ends, rather than no more payments if he changes to a new card

Exactly my thoughts, thanks Petie. Lovely to have a reply that's not sarcastic and condescending!

grumbler

PETIE wrote: »

Because by extending the 0% they may get extra interest payments when the new offers ends, rather than no more payments if he changes to a new card

If he is threatening them with leaving now, when the current 0% expired, what grounds do they have for thinking that it can be different next time?! They don't have to be Einsteins to understand this.

Asking for a lower interest rate is realistic, but not for 0%.

@rainbowdust33 : Please, do come back and tell us the result of asking Barclays about extending 0%.

Dobbibill

rainbowdust33 wrote: »

It can't be with halifax, as I already have a credit card with them (it's not 0% anymore either so has nothing on it).

Which is the next best? Or is it possible if I ring Barclaycard to say I'm considering looking elsewhere they will extend the 0%?

Thanks

Hi rainbowdust33

Have you thought about ringing Halifax and asking them if they have any BT deals available to you? If you already have a card with them that has a £0 balance, it's worth a try. Worse case scenario is that they say 'no' but that doesn't put you in any worse position.

You can ask Barclaycard too about a better deal but it's doubtful they would give you 0%. You may get a couple of % knocked off the rate you are paying now if your lucky.

Please come back and let us know what works for you so that others can benefit from the advise.

All the best

DB