VM Balance Transfer Offers, order of repayment.

Dandytf

feynman33 said:

I dont follow you, but just letting you know that in october VM will offer you the same deal again to be used by the end of november...

I thought as I used 22-23 offer that my then latter offer until July 24 was my 'New Offer'
Though refer to my latest reply's as latest 'new offer' is until Dec '24.
(I didn't use the summer July 24 offer which has since expired)
I intend to continue with Dimplex bedroom heater, could make use of Dec '24 offer,

thanks

Dandytf

Rather than create new post, I see last VM offer was until Dec 2024.
Since I haven't made use yet and in need of new cooker.
I see my current VM offer is until July 2025- this replaces previous offer.
Is this standard from VM as I had intended to purchase and repay cooker before Dec' 2024.
Nice few months Extended 0%

thanks

Qyburn

Is that a new credit card, or can you apply the offer to your existing? Just asking because you were worried, probably quite correctly, about the number of credit accounts on your record.

Dandytf

This latest VM offer is from current VM Card, 1st I've experienced existing offer expiring or superceeded by extended offer.
This latest offer if used before late March '24, maybe I missed cut off time from previous offer.
Surprised that Dec' 24 is no longer option.
Interesting, this is VM card that I successfully repaid DQ@0% with whatever transfer fee there was at the time. 
I'm ordering Cooker today, I'de think maybe slight saving on this t/fer fee being 3% £16.56 approx.

Dandytf

Cooker ordered, decent decision and hopefully quality purchase, Kenwood not amazing reviews though should be fine, maybe until Mortgage completion 

Qyburn

What was up with the old cooker, will you be able to get something selling it?

Dandytf

Qyburn said:

What was up with the old cooker, will you be able to get something selling it?

I'm very happy as over 11 yrs has passed, time to recycle and replace, for a few hundred pounds since 2012- Not waiting until Cooker intermittently fails.

thanks

born_again

Dandytf said:

This latest VM offer is from current VM Card, 1st I've experienced existing offer expiring or superceeded by extended offer.
This latest offer if used before late March '24, maybe I missed cut off time from previous offer.
Surprised that Dec' 24 is no longer option.
Interesting, this is VM card that I successfully repaid DQ@0% with whatever transfer fee there was at the time. 
I'm ordering Cooker today, I'de think maybe slight saving on this t/fer fee being 3% £16.56 approx.

Best be would be to pay the £200 off 1st.

So new cooker will not be billed till next statement. Pay the existing balance off before, just leaving you with the cooker balance.

Dandytf

born_again said:

Dandytf said:

This latest VM offer is from current VM Card, 1st I've experienced existing offer expiring or superceeded by extended offer.
This latest offer if used before late March '24, maybe I missed cut off time from previous offer.
Surprised that Dec' 24 is no longer option.
Interesting, this is VM card that I successfully repaid DQ@0% with whatever transfer fee there was at the time. 
I'm ordering Cooker today, I'de think maybe slight saving on this t/fer fee being 3% £16.56 approx.

Best be would be to pay the £200 off 1st.

So new cooker will not be billed till next statement. Pay the existing balance off before, just leaving you with the cooker balance.

I need to re check balance before Cooker is 17 approx. I 'll repay before transfer.

Grumpy_chap

Dandytf said:

Qyburn said:

What was up with the old cooker, will you be able to get something selling it?

I'm very happy as over 11 yrs has passed, time to recycle and replace, for a few hundred pounds since 2012- Not waiting until Cooker intermittently fails.

thanks

If the existing cooker still works, you would be better to keep the existing cooker and not have purchased the new one.  Replacing a cooker purely on age is not what I believe the majority of people would do.

Also, the offers posted upthread may have been zero interest but still had a 4% fee so paying cash would be lower cost if that 4% fee still applies.