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Warning: MBNA 0% for 22 Months credit card.
Comments
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It varies by provider, there is no fixed rule. M&S, Barclays and TSB seem to be life of the offer, Lloyds card seems to indicate in the terms that it's within the first xx months of openingZeroSum said:Altior said:Fairly standard that you only get a small spending window on a 0% purchases card. Santander is the only provider I can recall where the 0% applied to purchases for the duration of the offer.
Nope, every card ive had its on purchases for the duration of the 0% periodSam 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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Ive had a couple of Lloyds cards (and Halifax being effectively same bank) and everyone was life of the offerNasqueron said:
It varies by provider, there is no fixed rule. M&S, Barclays and TSB seem to be life of the offer, Lloyds card seems to indicate in the terms that it's within the first xx months of openingZeroSum said:Altior said:Fairly standard that you only get a small spending window on a 0% purchases card. Santander is the only provider I can recall where the 0% applied to purchases for the duration of the offer.
Nope, every card ive had its on purchases for the duration of the 0% period0 -
I have been stoozing for many years and MBNA is the only 0% purchases card I have come across with a short time limit on eligible purchases - limits on transfers is much more common.
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All views are my own and not the official line of MoneySavingExpert.1 -
There's lots of discussion here about what is, or is not, "usual". At the end of the day, whichever is correct is quite irrelevant. Don't make assumptions either way - but DO read what the T&Cs (NOT just the "main points" (advertisements) on the application page) actually say. That way you will always find out about anything unusual, or where you may have made an invalid assumption.2
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The above is the most relevant , and just to addr that with some cards the promotional time periods and fine details can depend on the individual applicant , so make sure that you read ALL the T&Cs for your personal offer and not just some generic offer.etienneg said:There's lots of discussion here about what is, or is not, "usual". At the end of the day, whichever is correct is quite irrelevant. Don't make assumptions either way - but DO read what the T&Cs (NOT just the "main points" (advertisements) on the application page) actually say. That way you will always find out about anything unusual, or where you may have made an invalid assumption.0
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