No balance transfer fee on Sainsbury's Bank or Asda CC?

JCL

Seems too good to be true but it's right there on the main page:
http://www.sainsburysbank.co.uk/credit_cards/cca_productdetail_adv_skip.shtml

0% p.a on purchases and balance transfers for 5 months typical 13.9% APR (variable)

booklet of money-saving vouchers for use in Sainsbury's
no annual fee or balance transfer fee
extra protection against fraud
optional protection for your credit card repayments if you are unable to work
optional protection against loss or theft of your card
convenient online servicing

Had been hunting around for a short-term 0% offer with no fee. Had a job finding one without a balance transfer fee. Some of those listed in Martin's table here like Alliance & Leicester and Lloyds TSB are charging 2% BT fees according to their terms and conditions.

Asda Credit Card
The Asda Credit Card appears to be offering 0% for 6 months and I can't see any mention of a balance transfer fee in their terms and conditions.

https://www.gecapitalbank.co.uk/asda/asda-cards-important-information.html

YorkshireBoy

JCL wrote:

Had been hunting around for a short-term 0% offer with no fee. Had a job finding one without a balance transfer fee.

The most up to date list (IMHO) is here...

http://www.stoozing.com/0fees.htm

You'll find the Sainsbury's deal on there. Yorkshire Bank also do 0% fee-free for 5 months and this will be added later this week.

I think you'll agree there are still plenty of fee-free deals around.

asandwhen

Lloyds tsb platinum card offer 0% for 9 months bt fee free as long as you do it in the first 12 weeks (i think its 12 weeks maybe 9)

JCL

Thanks t'link YorkshireBoy.

asandwhen wrote:

Lloyds tsb platinum card offer 0% for 9 months bt fee free as long as you do it in the first 12 weeks (i think its 12 weeks maybe 9)

Doesn't seem to mention this in the terms and conditions though so if they were to charge I wouldn't have any grounds for complaint.

YorkshireBoy

JCL wrote:

Doesn't seem to mention this in the terms and conditions though so if they were to charge I wouldn't have any grounds for complaint.

I can understand your caution, but the T&C's now are exactly the same as they were when I did my BT earlier this year.

For extra peace of mind, take a "screen dump" of both the product features and summary box where it clearly states "first 6 weeks" on both.

Newbird

And read T&C's where it states they will take 2%, its on the site.

I'm going to try them tho...

JCL

Summary box accessed from here does state there'll be no fee in the first 6 weeks.

Have applied for the card and saved a copy of those terms.

Newbird

JCL, T&C's always outweigh the summary box....check the T&C's when they send you the paperwork to sign, as it's what you actually sign for that counts.

JoseChungsDoomsday

Lombard direct dont charge a BT fee, and you dont get charged for using it abroad!

Former_MSE_Dan

Some of those listed in Martin's table here like Alliance & Leicester and Lloyds TSB are charging 2% BT fees according to their terms and conditions.

Table has been fully updated this morning with all the current correct info.

JCL

JoseChungsDoomsday wrote:

Lombard direct dont charge a BT fee, and you dont get charged for using it abroad!

Just called Lombard Direct and was advised RBS have discontinued the Lombard Direct CC so it's no longer available.

I got a KB from Lloyds on the platinum card so will need to continue the search.