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Which cards have regular 0% balance transfer offers?
MerseyLad
Posts: 174 Forumite
in Credit cards
Hi.
Just wondering what companies do regular 0% offers?
Occasionally for bigger purchases I like to use the card and then move it to a second card to make use of the 0% offers. I currently have Virgin and Barclaycard that have offers almost monthly, so they’re always available when required. But just contemplating a third.
Credit score is good. So I’d be confident of acceptance.
Thanks in advance.
ML
Debt LIGHTBULB Moment - Sept 2009 - *** DEBT FREE SEPT 2020
Coventry BS Loan - was £21300. Now £0 CLOSED Northern Rock Loann - was £7500. Now £0 CLOSED Egg Card - was £5300. Now £0 CLOSED.
Coventry BS Loan - was £21300. Now £0 CLOSED Northern Rock Loann - was £7500. Now £0 CLOSED Egg Card - was £5300. Now £0 CLOSED.
Capital One Card - was £5550. Now £0 CLOSED Cahoot Overdraft - was £1500. Now £0 CLOSED.
0
Comments
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My virgin and M&S cards regularly have transfer offers0
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I have a Halifax Clarity card for overseas spending, and this regularly has BT and Money Transfer offers, the latter being calculated daily at 5.9% which has made it a great mule for loading up my new BT cards.
Additionally, RBS, Natwest, MBNA and Barclays have all sent me regular offers in the last 12 months.• The rich buy assets.
• The poor only have expenses.
• The middle class buy liabilities they think are assets.
Robert T. Kiyosaki0 -
MBNA is best with us. M&S next but a faff to know what's happening with the BT as you can also use it for purchases at the same time. Santander maybe twice a year? And Barclaycard hasn't offered me anything in going on 10 years.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe and Old Style Money Saving boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇0 -
most that I hold of them except Amex have offered me deals. The best offers are mostly for new customers though so I keep Virgin, Amex and 1 mbna but regularly apply use offer and close cards. Barclays, RBS and Sainsbury recent additions with offers still live on the first two and Sainsbury's probably not long left in the stable.0
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MBNA and bank of Scotland seem to offer quite often for me.
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Barclaycard has had periods of offering loads of BT and MT, then nothing, then starting again, currently have offers for both
While I was with them M&S would offer terrible BT offers - 9 months with a silly fee - but did it regularly
Lloyds and Halifax both offer me BT and MT, the Lloyds one is always 15 months and Halifax always 12 months, former is always a lower fee by .5%
I haven't looked in app but not been offered by email at least any on my Tesco or NatWest cards which are pretty low balances.Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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I have 2 VM cards, both with zero balance that were on balance transfer offers, but not received any further offers since.
CC limits £26000
Long term CC debt £0
Total low rate loan debt £3000
Almost debt free feeling, priceless.
Ex money nightmare, learnt from my mistakes and never going back there again, in control of my finances for the first time in my adult life and it feels amazing.0 -
Thank youDebt LIGHTBULB Moment - Sept 2009 - *** DEBT FREE SEPT 2020
Coventry BS Loan - was £21300. Now £0 CLOSED Northern Rock Loann - was £7500. Now £0 CLOSED Egg Card - was £5300. Now £0 CLOSED.Capital One Card - was £5550. Now £0 CLOSED Cahoot Overdraft - was £1500. Now £0 CLOSED.1
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