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  • FIRST POST
    • djwood1
    • By djwood1 7th Aug 18, 9:45 AM
    • 31Posts
    • 1Thanks
    djwood1
    Barclaycard - Offered zero interest, worried about credit file
    • #1
    • 7th Aug 18, 9:45 AM
    Barclaycard - Offered zero interest, worried about credit file 7th Aug 18 at 9:45 AM
    Hi


    So I called Barclaycard earlier to see if there's any promotional rates on my account before I transfer the balance.

    They have offered me 2 months @ 0% interest. I made sure to ask that the interest wasn't going to be frozen and they confirmed it was a promotional offer.

    I have a 8k balance which I took advantage off for home improvements. I currently have two empty cards (MBNA and Virgin). One has an offer and the other doesn't.

    I thought the 2 months 0% would be useful as I could see if Virgin offer any promotional details or if MBNA can improve their offering.

    However I have been reading that 'freezing' interest can impact ones credit file. I asked Barclaycard numerous times if this was the case and they simply confirmed it was a promotional offer.

    Has anyone been offered anything similar?

    Thanks
Page 1
    • zx81
    • By zx81 7th Aug 18, 9:47 AM
    • 19,669 Posts
    • 21,064 Thanks
    zx81
    • #2
    • 7th Aug 18, 9:47 AM
    • #2
    • 7th Aug 18, 9:47 AM
    Many people have been offered something similar.

    From what you've said it's a promo. not an AP, so nothing to worry about. You will see if it's anything different on your credit files.
    • sonuenjoys
    • By sonuenjoys 19th Aug 18, 11:29 PM
    • 35 Posts
    • 19 Thanks
    sonuenjoys
    • #3
    • 19th Aug 18, 11:29 PM
    • #3
    • 19th Aug 18, 11:29 PM
    No it wont affect your credit file.

    Please note that when you are on a reduced minimum payment or on a payment plan specifically given by collections team only then your credit file will be marked but Barclays would obtain your consent before doing so.
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