Credit Card Direction

CliveOfIndia

Bear in mind the "100% pre-approval" needs to be taken with a pinch of salt.  You won't know for certain until you make a formal application and it's been processed.

In terms of which deal is best for you, only you can answer that - it's a balance between the interest-free period and the fee.  If you'll be able to repay the lot in 12 months then the no-fee card is the obvious choice.  If you need longer to repay then paying the transfer fee is probably the better option - overall it'll cost you less than being left with a balance after 12 months that's attracting interest at 25% or whatever.

ZeroG82 said:

I didn't see Barclaycard listed on the table of banking groups

As far as I'm aware, Barclaycard is one of the few that's an "individual", so to speak - it's just has its own card, it's not part of another group.

ZeroG82 said:

also it seems the credit limit is only confirmed upon applying.

This is true of all cards.  Some will give you an indicative limit on the eligibility check, but it's not until you make an application and they run all your data through their systems that you'll know for sure what limit you'll be given.

As a slight aside, you'll see the figure of £1200 banded around an awful lot.  This is just the figure that all cards have to use in their advertising, to allow customers to compare like with like.  It has no bearing whatsoever on what limit any individual applicant will be given.