Santandar Zero Card

YorkshireBoy

adindas wrote: »

Indeed, it seems they try to limit their usage, my limit is just £500, e.g. same limit when I first got it. I have asked for limit increase twice, no luck so far.

Ironically they gave me another credit card with limit of about £8,000, 0%, £0 fee on balance transfer.

If you've some headroom on your 1-2-3 card you can shift some of the credit limit over to Zero.

I went the other way when I got my 1-2-3 card. I had a circa £5K limit on Zero and I switched £3K of that to the 1-2-3 card.

Candyapple

adindas wrote: »

Unfortunately, I do not have Santander 123 Creditcard, can not see the benefit for me at the moment.

I do have whats is so called Santander Creditcard which I just got it about a month ago. It is 0% for 15 moth both for purchase and Balance transfer

http://www.santander.co.uk/uk/credit-cards/santander-credit-card

With this credit card, am right to say that I could mix both BT as well well as Purchase within 15 moth whenever I want to and pay no interest at all as the duration of BT and purchase is the same ??

Yes (10 characters).

YorkshireBoy

adindas wrote: »

Unfortunately, I do not have Santander 123 Creditcard, can not see the benefit for me at the moment.

I do have whats is so called Santander Creditcard which I just got it about a month ago. It is 0% for 15 moth both for purchase and Balance transfer

I assumed given the choice of 23 months or 15 months on both, and fee-free BTs on both, and cashback on the 1-2-3 card, you'd have gone for the 23 month product. Anyway, it's still possible to switch limits...that is if you've some headroom.

adindas

YorkshireBoy wrote: »

I assumed given the choice of 23 months or 15 months on both, and fee-free BTs on both, and cashback on the 1-2-3 card, you'd have gone for the 23 month product. Anyway, it's still possible to switch limits...that is if you've some headroom.

Yes I am fully aware that fee free 23 months BT credit part even without free interest purchase period is better than 15 month fee-free BTs on both BT and purchase.

But when I applied in April I do not think that option was there. Or at least it did not see any fee free option for BT at that time with such longer duration. Otherwise I would have been choosing it.

YorkshireBoy

adindas wrote: »

Yes I am fully aware that fee free 23 months BT credit part even without free interest purchase period is better than 15 month fee-free BTs on both BT and purchase.

Both products have equal 0% length on both purchases and BTs.

But when I applied in April I do not think that option was there. Or at least it did not see any fee free option for BT at that time with such longer duration. Otherwise I would have been choosing it.

I'm open to being corrected, but I'm almost certain the 1-2-3 card has been fee-free for 23 months on both continuously since I got mine in October 2014. I did wonder if you'd initially discounted it as you didn't have a 1-2-3 current account and so couldn't get the first year fee waiver. Anyway it's water under the bridge now. You are where you are.

Marchitiello

Apologies to resurrect this thread, as the 1-2-3 card has been withdrawn from new customer, my wife is considering this and the all in one as options for travel cards (the all in one has a 40 months interest free at 1% fee but £3 per month card fee as well).
Can anyone that has a recent issued version of Zero confirm if you can withdraw cash free of forex and interest if paid in full every month? Not 100% clear yet. Also, is it a simple MasterCard or is a World MasterCard (peraphs the World script is only on the back of the card as other cards I have seen)?
Thanks

SuperAllyB

I may be wrong, but I was under the impression that Zero hasn't been available to new customers for a number of years now.

blindman

SuperAllyB wrote: »

I may be wrong, but I was under the impression that Zero hasn't been available to new customers for a number of years now.

Looks like they've resurrected it

I've had it from day one

confirm if you can withdraw cash free of forex and interest if paid in full

Yes

Great card for use abroad.

TheShape

SuperAllyB wrote: »

I may be wrong, but I was under the impression that Zero hasn't been available to new customers for a number of years now.

It's certainly available (again) now. Check the Santander site.

Marchitiello

Thanks @blindman

I guess it is not a world MasterCard then.

The cards ALL in one, Zero and Everyday have been relaunched as substitute products for the discontinued 1 2 3
http://www.which.co.uk/news/2016/10/santander-123-credit-card-pulled-from-market-453878/