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  • FIRST POST
    • faddy
    • By faddy 11th Apr 18, 12:35 AM
    • 485Posts
    • 54Thanks
    faddy
    When do 0% rates run to?
    • #1
    • 11th Apr 18, 12:35 AM
    When do 0% rates run to? 11th Apr 18 at 12:35 AM
    Are the 0% periods on introductory balance transfer offers always counted from account opening, or do some issuers start them from the date of transfer?
Page 1
    • Weybridge78
    • By Weybridge78 11th Apr 18, 1:11 AM
    • 166 Posts
    • 43 Thanks
    Weybridge78
    • #2
    • 11th Apr 18, 1:11 AM
    • #2
    • 11th Apr 18, 1:11 AM
    If you have opened a new credit card, then I believe the promotional period begins when the account opens, which is annoying as you likely don't receive your card on the account opening date.
    • RG2015
    • By RG2015 11th Apr 18, 8:14 AM
    • 1,387 Posts
    • 856 Thanks
    RG2015
    • #3
    • 11th Apr 18, 8:14 AM
    • #3
    • 11th Apr 18, 8:14 AM
    Last year I had a Nationwide Select credit card which timed 0% interest balance transfers from the date of the transfer. The balance transfer had to be made within three months of opening the account. This card had a promotional offer of 12 months from the date of the balance transfer so effectively offering 12 to 15 months from the date of account opening. It also offered 12 months 0% interest on all purchases from the account opening date.

    I also have Tesco, Santander and Virgin Money credit cards with 0% balance transfer deals but these all run from the date of opening the account. To be fair, I received the cards within two or three days of the account opening date.
    • PeacefulWaters
    • By PeacefulWaters 11th Apr 18, 8:31 AM
    • 8,318 Posts
    • 10,670 Thanks
    PeacefulWaters
    • #4
    • 11th Apr 18, 8:31 AM
    • #4
    • 11th Apr 18, 8:31 AM
    Not all credit cards are the same.

    Read the terms and conditions to be absolutely sure.
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