0% expires 31st Dec, apply early December?

longwalks1

I have a Virgin card with about £5k balance that comes to the end of its 0% offer on 31st December, I'm away til 4th December so am i leaving it too late to find another CC with a 0% BT offer if i apply after 5th December?

Thank you in advance

MallyGirl

borderline I would say. Some accounts don't allow BTs until you have received and activated the card. With the Christmas post always being slow, plus the bank hols, it would be safer to apply before you go away

longwalks1

Thanks Mallygirl
Was thinking the same about the Christmas post etc, but I'm away for 4 weeks as of next Monday, so was worried about applying, getting approved and the card and PIN being delivered while I'm away, sitting on my doormat for 3 weeks and the issuer thinking somethings up because it hasnt been activated once delivered?

eskbanker

Will you be able to access the internet where you're going?

longwalks1

eskbanker wrote: »

Will you be able to access the internet where you're going?

Yes, i guess i could apply while im away, say 2 weeks into the trip, but wasnt sure if it may pick up that a person registered as living in Hertfordshire has applied for a Barclaycard from deepest Cambodia or Vietnam?

alirx

Honestly, I think you've got plenty of time when you get back. Please don't spend your holiday in Vietnam messing around with your credit card. Like you say, it's a fraud marker waiting to happen...

I've certainly never had a delay of over 3 weeks in getting a credit card set-up.

msallen

britishboy wrote: »

Yes, i guess i could apply while im away, say 2 weeks into the trip, but wasnt sure if it may pick up that a person registered as living in Hertfordshire has applied for a Barclaycard from deepest Cambodia or Vietnam?

If you will be taking a laptop with you (as opposed to using a public terminal) and you have a PC at home which will remain on then you could do what I do.

I spend a lot of my life away from home for work, and for anything 'sensitive' such as financial transactions, rather that log in direct from overseas I run TeamViewer on both my PC and laptop, then use my laptop to access my PC at home and do it on that. The only caveat is that if you're outside of larger cities like PP or HCMC then you might not have enough bandwidth to be able to stream your home desktop to your laptop.

jonesMUFCforever

Applying from abroad (do they check IP addresses?) could flag up, and either you will have to jump through hoops to provide ID or they might refer or decline you.

longwalks1

Thanks all, i think ill apply the day i get home (5th December) and hope for the best with post etc. I just had a 90% approval chance with the MSE soft checker so fingers crossed

Thanks everyone

muhandis

I think that would be best.

Halifax's 29 month 0% BT 0% fee card is an absolute champ. If you already have a Halifax login it shows up very soon and balance transfers are initiated before you even receive or activate the card.

britishboy wrote: »

Thanks all, i think ill apply the day i get home (5th December) and hope for the best with post etc. I just had a 90% approval chance with the MSE soft checker so fingers crossed

Thanks everyone

Coveredinbees!!!!

If it's too late and you end up paying a months worth of interest will it be the end of the world?