6.8% apr Barclay Platinum Lowest Rate No FEE on Balance transfer - HotUKDeals
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simply the best
6.8% interest applies to every purchase and/or balance transfer you make with no handling feeFantastic range of benefits
6.8% APR Typical (variable

YOU WILL NEVER NEED TO CHANGE YOUR VREDIT CARD AGAIN.

CAN BE WITHDRAWN ANY TIME

Suits you if you:

* Want a low rate that stays low
* Have a good credit rating
* You have no history of bankruptcy
* You have not had any County Court Judgments (CCJs) or Individual Voluntary Arrangements (IVAs) registered against you in the past 5 years
* You have a history of managing credit commitments well i.e. have existing credit and at least 4 years of experience managing credit cards, loans, overdraft or mortgage
* You have always made payments on time
* Don't already have a Barclaycard
* Have had a permanent UK address for 3 months or more
* Have a regular income of more than £20,000 pa
* Excluding a mortgage, your debt on credit cards or store cards is less than 10% of your income
* Are aged 21 or over

- choc1969
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Comments/page:
#1
only thing when you apply online even when they approve credit card application you wont know your credit limit. you need to wait until your card arrives
#2
The raft of cold posters strikes again - very good deal IMO, when carefully considered.
#3
MrShed
The raft of cold posters strikes again - very good deal IMO, when carefully considered.


Thanks Man, I just applied it did not mentioned £20k income.
1 Like #4
People hate financial product deals on here for some reason - daft really when you consider that they are probably the most important hot deals to look for...!

If you do a 12 month BT elsewhere on a £1000 balance, you would be looking at a 3% fee for the year at 0% - hence £30 "interest".

12 months on this one at 6.9% is £69 - but you then need to take away the compound interest, as the interest will drop each month due to repayments, hence probably bringing it closer to £40-45. Still more expensive, but for those who do not want to time it exactly in 12 months to transfer again, very hot.

Especially hot for anyone wanting to pay off in less than a year, as the reduced interest will much more than offset the 3% upfront cost of a BT elsewhere.

Would go for it if I didnt already have a barclaycard!
#5
Try M&S card, 0% for 10 months on all purchases!
banned#6
kwoodcock;5661987
Try M&S card, 0% for 10 months on all purchases!

but that is just encouraging people to get into more debt

oh, and a 2% transfer fee :thumbsup:

this is a great deal and one of the few deals where cold voters really should explain why.................
#7
If you have a card with Barclaycard (or any credit card company) already you can always call up customer service and then say you want to close the card. If you get told your going to be put through to the closures department or similar then you can negotiate with them about your interest rate. They can usually reprice you to 6.9% on whatever balance you have on the card, or offer like 0% for 12months. If they say they will fill in a form or whatever just say that you will call back later to do it or insist they wait and put you through.

If the advisor in customer service says they can close it for you then you just make up an excuse to not want to close any more as your card is probably marked as not valuable enough to attempt to retain your business with em.

Works with any credit card company. But only if they value you enough as a customer will you be able to negotiate a deal, otherwise the advisor will close the card for you.
#8
I called up M&S credit card to see if they would come down on interest by Straightaway told me cant offer anything lower than 15.95%. asked me to close a/c if not happy. Nowaday they arent bothered.
#9
MrShed;5661475
The raft of cold posters strikes again - very good deal IMO, when carefully considered.

+1:thumbsup:
#10
If you have a debt on another card, and can't pay it off quickly this is an excellent deal. Unsecured 6.8% loan that you can pay as much as you like off each month. Quite a few boxes to tick...so not for all.

New cards at 0% are good if you can get them, but many have a fat fee to factor in. Not for everyone but in no way cold. Voted hot earlier.
banned#11
maybe this deal would get some heat if they gave away a free can of 8p asda sausages with the card! :)
#12
Why is this expired?
banned#13
grimboj2
Why is this expired?

doh - maybe cos its 18 months old and expired! oO



Barclaycard Credit Card Application
Sorry we have experienced a problem

Sorry the offer you have applied for is no longer available.


Edited By: csiman on Jan 20, 2011 05:18

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