Where does a promotional rate show on your credit report?

chocolaterain

Hi all. Long time lurker, occasional commenter and first time poster!

I've read on here a few times that when you have a promotional rate on a card (0% APR) it flags this under the account on your credit report. I've looked at all three of my reports and can't see the 0% rate reflected anywhere. Is this normal?
I don't plan on taking out extra credit soon, I have a DD set for a fixed amount each month and have more than enough savings to pay the card off at any point. I do wonder though if carrying a balance each month is making my report look less desirable and whether I should just pay off the balance now?

Fletcher86

The detail of promotional rates etc will show underneath the account in question on your file. So find the credit card in question and there will be a row or block of numbers detailing the repayment history and there should also be extra rows of data. One of these will be ‘Promotional Rate’ with a Y or N to indicate Yes/No.

molerat

Credit Karma / Transunion show Promo Yes / No in each account under payment information, same in the app.

MSE / Experian show promotional rate Y/N in the monthly boxes under "more detail" on each account

Clearscore / Equifax is pretty dumbed down and doesn't show it.

RG2015

molerat said:

Credit Karma / Transunion show Promo Yes / No in each account under payment information, same in the app.

MSE / Experian show promotional rate Y/N in the monthly boxes under "more detail" on each account

Clearscore / Equifax is pretty dumbed down and doesn't show it.

I concur that Clearscore doesn't show any promotional rate indicator, but Equifax does have a Promotional Rate box indicating yes, no or sometimes blank.

[Deleted User]

My Barclaycard balance transfer card on Noddle/Credit Karma says

Repayment frequency - Monthly

Promotional rate - Yes

On ClearScore - no reference beyond it being a CC

On MSE Credit Club/Experian - flagged as a promotional rate

northernstar007

on my experian report my 0%card is showing its not a promotion, other cra saying it is, which it is

chocolaterain

Hmmm I'll take another look, perhaps on a laptop. I was struggling to even find the monthly breakdown of balances/payments, which is unusual. Thanks all for your responses!

chocolaterain

Update: Doesn't show on ClearScore at all, as mentioned above. Promo rate showing as 'No' on Credit Karma and '-' on MSE.

Is it worth me clearing the balance as it may look like I am carrying a large interest-bearing balance every month? Or should I just sit tight and enjoy the 0% rate?