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Pre Approved 0% Balance Transfer - PCP?

Is there any way I can transfer my PCP balance to a 0% Balance Transfer Card?

I've been pre approved for both MBNA and Virgin with 12k limits at 0% 34 months....

Would ideally like to do around 15k at 0% with 2.99 fee and pay over 34 months

Comments

  • Isthisforreal99
    Isthisforreal99 Posts: 961 Forumite
    500 Posts Name Dropper
    edited 14 September 2025 at 7:16PM
    Not directly no. You would need a money transfer card but they normally have less time at 0%.

    Also pre-approved doesnt meant guaranteed acceptance.
  • mta999
    mta999 Posts: 418 Forumite
    100 Posts Name Dropper
    You could try gettng a money transfer card (at any rate, it doesn't matter) and use the money to pay off your loan

    you then transfer the balance from the money transfer card onto your zero percent card

    Just make sure the money transfer card does allow transfers
  • IAMIAM said:
    Is there any way I can transfer my PCP balance to a 0% Balance Transfer Card?

    I've been pre approved for both MBNA and Virgin with 12k limits at 0% 34 months....

    Would ideally like to do around 15k at 0% with 2.99 fee and pay over 34 months
    BT is only between credit cards. 

    A Money Transfer puts the funds into your bank account and then you can do what you want with them. 

    The fees for a MT are fairly often a little higher than a BT but certainly with my cards with MBNA and VM they offer both BT and MT so just check if they are also offering a MT to you. 
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