Cap One 18month 0% Deal

cloud_dog

Was just wondering if anyone has looked at re-SBTing their repayments? I will shortly be making my fourth repayment, approx £1500 in total, and was wondering if I can re-SBT the £1500.

I have reviewed my copy of the T's&C's but it is not obvious if this is possible under the original T's&C's.

Comments...........

cloud_dog

YorkshireBoy

Mrs YB applied via the online link earlier this year. When we activated her card we were told that all BT's are fee-free for the entire 18 month introductory period. Like you, we had planned to re-cycle her minimum repayments every 3-4 months through my Egg card and on to the stooze pot.

The same policy applies for 9 month paper form applications.

As far as I know, only 18 month applications made using paper application forms make a charge for the BT - and this is expressly written in the summary box under "fees & charges".

Hope this helps.

johannamse

I have done it many times online with the 18m co cc and no fee has ever been applied. Although I got mine in Nov 04 batch - so dont know whether these are different.

scoobylou_3

Could someone please post me a link for this deal. Ive heard it mentioned in the past but not taken it further. Thanks

urbanfrit

The online offer closed a while ago.
The paper one charges 2% max £50 for each distinct BT made.

Milarky

cloud_dog,

Since the minimum BT can be for £50 [and is free as already said] you may BT the full minimum payment on to any convenient credit card [what about on to your main 'spending' card?] each month just as soon as the DD collection clears and just ahead of the next statement - thus keeping the balance outstanding on Cap One the same as it stood at the beginning. I've done this twice so far - no problems. You just ring them up each time and they even send out a confirmation letter. This same minimum payment keeps being taken off Cap One and being put back there. Over the 18 months this is worth an extra 25% in stoozed profits.