0% Purchase Credit Card

Rudi1990

Am I able to use one of these to pay off an outstanding amount on a buy now pay later kitchen once I reach the end of the 1 year deferred period? Bit confused over whether it would be classed as a purchase - thanks in advance 

[Deleted User]

It will generally either not be accepted or be treated as cash.

Most likely not accepted as the lender won't want to fund your payment.

Ebe_Scrooge

As ZX81 says, you're highly unlikely to be able to do that.  Logically, you're not purchasing anything, just paying off existing finance.  It's more akin to a balance transfer, though even balance transfers are only usually applicable to existing card debts.  A money-transfer card would be seem to be your best option.  Alternatively, just pay off the finance using the money you (presumably) budgeted for and have put aside.

Rudi1990

Thanks all 😊 

maxximus75

The best way is to ask the company who finanaced your kitchen.

Other than that, you could get a money transfer card to pay the money into your bank and then, pay the kitchen finance off.

There will be a fee for doing this (usually 3-4%) then the 0% period but I am sure that will outweigh the apr that will kick-in on your BNPL?