Barclaycard - Offered zero interest, worried about credit file

djwood1

Hi


So I called Barclaycard earlier to see if there's any promotional rates on my account before I transfer the balance.

They have offered me 2 months @ 0% interest. I made sure to ask that the interest wasn't going to be frozen and they confirmed it was a promotional offer.

I have a £8k balance which I took advantage off for home improvements. I currently have two empty cards (MBNA and Virgin). One has an offer and the other doesn't.

I thought the 2 months 0% would be useful as I could see if Virgin offer any promotional details or if MBNA can improve their offering.

However I have been reading that 'freezing' interest can impact ones credit file. I asked Barclaycard numerous times if this was the case and they simply confirmed it was a promotional offer.

Has anyone been offered anything similar?

Thanks

[Deleted User]

Many people have been offered something similar.

From what you've said it's a promo. not an AP, so nothing to worry about. You will see if it's anything different on your credit files.

sonuenjoys

No it wont affect your credit file.

Please note that when you are on a reduced minimum payment or on a payment plan specifically given by collections team only then your credit file will be marked but Barclays would obtain your consent before doing so.