Catalogue Balance to Credit Card

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jlewsey15
jlewsey15 Posts: 9 Forumite
edited 10 May 2018 at 3:35PM in Credit cards
I have a question for people with a lot more knowledge than me, plus when searching I get conflicting answers so need to be sure.
Can I transfer a catalogue balance (i.e. Very, Jacamo, SimplyBe) to either:
    1. A 0% balance transfer card?
    2. A 0% purchase card?
    3. Or does it need to be a !!!8216;Money transfer card!!!8217; where I can transfer money off the card into my bank account to pay said balance?


Thank you in advance all.

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  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
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    jlewsey15 wrote: »
    Can I transfer a catalogue balance (i.e. Very, Jacamo, SimplyBe etc etc)

    Those you've mentioned, I don't believe so. The etc etc ones might, as a minority will accept cards as a purchase.

    For the others, you need a money transfer option.
  • jlewsey15
    jlewsey15 Posts: 9 Forumite
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    zx81 I have removed the etc etc for ease.
    Thank you
  • Vortigern
    Vortigern Posts: 3,245 Forumite
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    jlewsey15 wrote: »
    I have a question for people with a lot more knowledge than me, plus when searching I get conflicting answers so need to be sure.
    Can I transfer a catalogue balance (i.e. Very, Jacamo, SimplyBe) to either:
      1. A 0% balance transfer card?
      2. A 0% purchase card?
      3. Or does it need to be a !!!8216;Money transfer card!!!8217; where I can transfer money off the card into my bank account to pay said balance?
    Look at the terms of your catalogue accounts. Is it possible to pay your catalogue bill with a credit card? Simply by using the 16 digit card number on the catalogue website. I know I paid off a Very BNPL amount using a credit card and it was not treated as a cash transaction. Your mileage may vary, so check with the catalogue company.
  • davethorp
    davethorp Posts: 1,577 Forumite
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    JD williams group (which includes Jacamo and SimplyBe) accept payments by credit card. Not sure about Shop Direct Group but I think they might do too and Vortigern seems to confirm this

    I couldn't tell you if it would count as a purchase for a 0% purchases deal. Ultimately it would depend on if the transaction is treated as a purchase or a cash transaction. Given its possible to make purchases from both groups without putting it on their credit accounts I would guess it would count as a purchase but again mileage may vary.

    Either way of all your options the one you want is b or possibly c
  • 20aday
    20aday Posts: 2,610 Forumite
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    Granted it was a few years ago but I paid off my BNPL plan with Very using a credit card (Halifax MasterCard) and it was treated as a purchase.
    It's not your credit score that counts, it's your credit history. Any replies are my own personal opinion and not a representation of my employer.
  • jlewsey15
    jlewsey15 Posts: 9 Forumite
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    All

    Very do accept credit card payments in their 'buy now pay later' scheme. SO would this mean it is treated as a cash transaction?

    Getting an answer from them is proving difficult.

    Thank you again.
  • 20aday
    20aday Posts: 2,610 Forumite
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    Out of interest who is your credit card provider OP?
    It's not your credit score that counts, it's your credit history. Any replies are my own personal opinion and not a representation of my employer.
  • maxximus75
    maxximus75 Posts: 555 Forumite
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    If you pay by credit card it will just show as a purchase so if you have 0% on purchases then you can pay the account off.
  • Vortigern
    Vortigern Posts: 3,245 Forumite
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    jlewsey15 wrote: »
    Very do accept credit card payments in their 'buy now pay later' scheme. SO would this mean it is treated as a cash transaction?
    Already answered in posts 4 and 6. It's not cash, it's a purchase.

    If you're not sure, pay a small amount off your Very account with a credit card. Check your CC statement for any cash advance fee or interest on cash transaction. If there's none you're good to pay off the full amount with a 0% purchases card.
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