Help with cc wording please!!

Refund_Queen

Hi,
Am a bit confused here. We need to purchase a second hand car, price £2000 - £3000 and I need a cc to help pay for some of this.

Tesco has a 0% on balance transfers for 13 months (with a fee of 2.5%) and it also offers 0% on purchases for 3 months. Alternatively, Virgin has 0% on balance transfers for 15 months (fee 2.98%) and also 0% on purchases for 3 months.

Trouble is, is a car purchase from a dealer classed as a purchase or as a balance transfer?

If it is classed as a purchase, will that then mean that we wont pay any fees for using it? (I do not want to use the card for any other purchases and I do not have any current debt to put on it either, the cc would just solely be used for this car purchase.)

Thanks for your advice!

CLAPTON

firstly will the dealer acccept a CC payment? some will and some won't.
if he does do they make a surcharge?

if they do accept a CC, then will count as a purchase and so you will only have 3 months to pay it off but no CC fee.


if you go for the virgin deal you can BT from your current a/c and then pay for the car by cheque