No fee advice

LionPenguin

Hi.
I have BNPL with Very, I need to pay off £167 by the end of the month to avoid £30 interest. Is there a credit card that I could sign up for and pay Very off (£230 in total) and then just pay the credit card with a year without any charges at all?

Thanks.

MallyGirl

Santander seems to be the only Balance Transfer card with no fee at the moment (or Lloyds if you are a customer).
Whether you qualify for a card will depend on your personal info.
Whether paying off Very would counts as a BT I don't know - hopefully someone else does. You might need to go for a Money Transfer card if it doesn't and they are harder to get - plus all have a 3 - 4% fee

[Deleted User]

I believe Very are one of the few places you can pay the balance with a credit card and have it treated as a purchase. 

MallyGirl

If that is true then there are more 0% purchase cards around.
I'd check the eligibility checker on here to see what your chances are.

LionPenguin

Thanks.
Any examples of 0% cards? 
I've never used a credit card so am unsure if which ones suit my needs without any sneaky fees.

MallyGirl

This is the link to the eligibility checker:
https://www.moneysavingexpert.com/eligibility/credit-cards/search/?goal=CC_PURCHASE
Stick your details in and see if you qualify for any of them

This is a link to an article on the best 0% cards.
https://www.moneysavingexpert.com/credit-cards/best-0-credit-cards/
Do note however that the best deals go to those with the best credit history so if you haven't had much credit before then you might not qualify for any of them, or you might be given a shorter deal.

LionPenguin

Great, thanks.

My credit is good I hope. Soon find out!