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0 percent deal ending
Sncjw
Posts: 3,595 Forumite
in Credit cards
Hi all
I have 2 cc one ith Halifax and one with barcalaycard. I don't use Halifax that much as it attracts interest. My 0 percent deal with barcalaycard is ending in September. I have a balance on the card which most of it is wedding funds related due to using it for booking things. We have the money to pay the wedding funds off and I am paying off my personal balance myself and should pay that by soetemver. So what I'm asking is it worth trying for a new credit card as there is still things j need to book for the wedding to put depsosts down on which I want the protection when I pay the deposit.
If its worth it when should I apply for a card? I did have a rough look few weeks back and there's a virgin card for 27 months I think.
I have 2 cc one ith Halifax and one with barcalaycard. I don't use Halifax that much as it attracts interest. My 0 percent deal with barcalaycard is ending in September. I have a balance on the card which most of it is wedding funds related due to using it for booking things. We have the money to pay the wedding funds off and I am paying off my personal balance myself and should pay that by soetemver. So what I'm asking is it worth trying for a new credit card as there is still things j need to book for the wedding to put depsosts down on which I want the protection when I pay the deposit.
If its worth it when should I apply for a card? I did have a rough look few weeks back and there's a virgin card for 27 months I think.
Mortgage free wannabe
Actual mortgage stating amount £75,150
Overpayment paused to pay off cc
Starting balance £66,565.45
Current balance £55,819
Cc debt free.
Actual mortgage stating amount £75,150
Overpayment paused to pay off cc
Starting balance £66,565.45
Current balance £55,819
Cc debt free.
0
Comments
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It's worth it if it would benefit you.
If you have insufficient funds, or want a 0% deal, or need s75 protection, then it would be worth having a usable credit card.
The sort of card you should apply for - and when you apply for it - depends on what purpose you want to put it to.0 -
I want the card ready in time to be able to use it in case we find things to book. Thanks.Deleted_User said:It's worth it if it would benefit you.
If you have insufficient funds, or want a 0% deal, or need s75 protection, then it would be worth having a usable credit card.
The sort of card you should apply for - and when you apply for it - depends on what purpose you want to put it to.
I could apply for one now but I would have an overlap.Mortgage free wannabe
Actual mortgage stating amount £75,150
Overpayment paused to pay off cc
Starting balance £66,565.45
Current balance £55,819
Cc debt free.0 -
An overlap of what?
Apply for it a couple of months before you need it, but have a back up plan if you're reliant on an interest free offer.0 -
So had a look at the longest 0 percent and its coming up Lloyd's at 21 months and virgin 20 months. Which is better?Mortgage free wannabe
Actual mortgage stating amount £75,150
Overpayment paused to pay off cc
Starting balance £66,565.45
Current balance £55,819
Cc debt free.0 -
The Lloyds one is better by one month (21 - 20 = 1).
2 -
Haha I just get paranoid when applying for these I think il go for the Lloyd'sDeleted_User said:The Lloyds one is better by one month (21 - 20 = 1).Mortgage free wannabe
Actual mortgage stating amount £75,150
Overpayment paused to pay off cc
Starting balance £66,565.45
Current balance £55,819
Cc debt free.0 -
This has proper made me laugh.Deleted_User said:The Lloyds one is better by one month (21 - 20 = 1).
zx81 always gives such great advice without being judgemental.Debt Free: 01/01/2020
Mortgage: 11/09/20242 -
Well I got a successful application email for the Lloyd's dual credit card. Not sure on limit as I had problems with setting up an online account and I can't refister for one now because I don't have the card numberMortgage free wannabe
Actual mortgage stating amount £75,150
Overpayment paused to pay off cc
Starting balance £66,565.45
Current balance £55,819
Cc debt free.0
![[Deleted User]](https://us-noi.v-cdn.net/6031891/uploads/defaultavatar/nFA7H6UNOO0N5.jpg)
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