0% Purchases with same company

pollyanna24 · 16 August 2018 at 2:45PM

If you had a 0% on purchases with say, Barclays and then when the 0% was up, you paid it off, closed the account and cut up the card, can you still apply for another 0% on purchases say, three or four years later with the same company or do they remember that you've already had a 0% with them in the past?

PRAISETHESUN · 16 August 2018 at 2:59PM

My money would definitely be on them remembering you - but that doesn't mean they wouldn't offer another 0% deal (although no guarantee that they would either). Why not just keep the cards active and unused for a while, then phone them up to cancel the cards and see if they can give you another 0% as a "motivation" for you to not leave?

MallyGirl · 16 August 2018 at 3:10PM

I have had several repeat cards over the years. Deals to new customers are usually much better than anything you get get while you are with them - the exception might be to stop you leaving.
Many insist on a gap - such as Tesco saying 6 months after leaving before you count as new.

Nasqueron · 16 August 2018 at 3:27PM

They constantly send me offers for new BT deals, I've had an initial 39 month one, paid it off, kept the card empty and then a few months used a new offer on the same card later for 18 months 0%

pollyanna24 · 16 August 2018 at 3:35PM

Thanks everyone.

I have cancelled a Post Office 0% that I had as it ran out last month.

But I have just been accepted on a MBNA one (was quite surprised at the limit they offered me straightaway - £6,400, but hey ho) and have an AA one that runs out next year.

I think I won't apply for any more for a while!

[Deleted User] · 16 August 2018 at 4:18PM

Depends what their cut off point is for defining a "new customer" and a "returning customer"

blitzboy · 16 August 2018 at 4:40PM

Here is a list from the main MSE site on the 'should I cancel old credit cards' page:

How long until you're a 'new customer' (rough guide)

American Express: Six months
Barclaycard: Six months
Capital One: 30 days after last statement
Halifax: 60 days after cancelling account
HSBC: Six months
Lloyds: 60 days after cancelling account
Nationwide: 12 months
NatWest / RBS: Eight months
Santander: One month

Once you're a 'new customer' you're eligible for all of the introductory offers again.

sonuenjoys · 20 August 2018 at 12:18AM

apply for barclaycard provided it's been more than 6 months since you have closed the account

0% Purchases with same company

Comments

Categories

Get our FREE Weekly email full of deals & guides - and it’s spam-free