Encouraging a B/T offer from Barclays
in Credit Cards
11 replies 1.3K views
I wonder how others have been doing this. I,ve been paying my Barclaycard steadily for the last 9 months and am now down to making the last payment in August, they are offering me at the moment 12 months interest free 2.4% fee which seems reasonable. My question is though I don't need a B/T till March 2019 (I will absolutely need it then unfortunately) so do I make that last payment to take my balance to zero or maybe split it into 3-4 payments taking me to say December. Which way of me paying it off would encourage them to offer me a good B/T rate??? or is there no real way of telling, I read somewhere they use algorithms or something similar to track spending/paying patterns, I could pay it all now but would leaving my balance at zero for 6-9 months do me any favours??
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