Best bet for long zero percent purchase card

bd10

Hi all,

I am in the market for a 0% purchase card. Annual travel card is coming up for purchase. I'd be looking at 5-6k limit with at least 20 months. 

Have shortlisted Barclays, Tesco and M&S. I also have a current a/c with Barclays where my salary comes in. Which lender would tend to offer the longest tenor for my hoped for limit? My other CC's are with Amex, Nationwide and Halifax (total 34k limit), credit history clean, low utilisation, no late/missed payments or anything. If I recall Barclays used to be quite generous but this was pre-pandemic. What are their lending appetites these days?

Many thanks in advance.

[Deleted User]

If by 'longest tenor', you mean 'longest tenure', you can find the best offerings here.

https://www.moneysavingexpert.com/credit-cards/best-0-credit-cards/

However, if you do mean the longest of the tenors, I believe it was Placido Domingo who was the tallest.

bd10

I went through that list. From my limited experience, Amex and NW were generous from the get-go, Halifax pretty uptight on the limits. Not that it matters for my current cards but I am not familiar with these lenders esp now that we come out of the pandemic. I remember the first years post GFC and limits were cut left right and centre, HSBC super strict with mortgages.

Subprime I don't want to go, Barclays used to be generous on the limits. I could give them a call. How generous is HSBC these days?

ps: tenor is the correct spelling :-) 

[Deleted User]

Barclays are unpredictable. They swing from generous to slashing limits, from paying people to keep accounts opening to closing them.

Amex are generous on limits, but don't play in the promotional offers field outside of cash back.

I'd probably look at Tesco for the best blend of duration and limit, but there's no guarantees. Avoid sub prime for any decent promo offers.