credit cards and lost my job.

Chrysalis

grumbler wrote: »

All balances have been already transferred to 0% at Barclaycard that is now the only card that isn't empty. As simple as that.

What do you mean by 'renewing'? The new offers are for new BTs from other cards.

which is the same as what i said.

if barclaycard isnt empty then they not all empty.

grumbler

All cards were empty that you suggested to transfer the balances from.
As the only balance was at 0% your suggestion made no sense.

Chrysalis

I didnt suggest anything, what I posted was trying to clarify if thats what the OP's plan was.

chattychappy

Aside from the above, here is a small-scale trick that might save a few pennies if not quids.

Just before the Barclaycard statement is generated, put any spending onto the Barclaycard - up to the amount of the expected minimum payment. Then when you make that minimum payment to Barclaycard, it will be applied to that spend rather than your 0% promo balance. You will get interest from the date of purchase to when you make your payment, but this will almost certainly be less than the 3% you would pay by putting it on another card and BTing it over. Your 0% balance will be held at its current level - so the net effect is the same as if you had put the spend elsewhere and BTed. If you are not on DD and you have the cashflow, you could consider paying the minimum just after statement generation - so you'd get almost no interest at all.

grumbler

Chrysalis wrote: »

I didnt suggest anything, what I posted was trying to clarify if thats what the OP's plan was.

My apologies then. I misread it.

Chrysalis

no worries.