Abbey Credit Card 0% interest on balance transfers for 15 months plus a new lower APR... - HotUKDeals
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Abbey Credit Card 0% interest on balance transfers for 15 months plus a new lower APR...

£0.00 @ Santander
Santander Cards has launched an improved Abbey Credit Card offer with 0% interest on balance transfers for 15 months, with a 3% fee. A six month increase in the balance transfer term on the existing o… Read More
dr_badbeats Avatar
8y, 3m agoFound 8 years, 3 months ago
Santander Cards has launched an improved Abbey Credit Card offer with 0% interest on balance transfers for 15 months, with a 3% fee. A six month increase in the balance transfer term on the existing offer. Theres also a reduction on the purchase APR from 18.9% to 15.9%.


(The Abbey staff version of this product offers more savings theres a lower APR of just 12.9% on purchases plus a 0% balance transfer fee on all balances transferred in the first month of account opening.)

>>> "0% for 3 months on all your purchases
You'll also enjoy 0% on interest on all other credit cards to your Abbey Credit the first 3 months. After that, you'll be on our competitive rate of only 15.9% APR typical (variable)"
More From Santander:

All Comments

(27) Jump to unreadPost a comment
Comments/page:
#1
Similar to the Virgin deal, added heat
banned#2
also similar to the Tesco deal, 14 months % free on bal transfers, 6 months % free on purchases and I think a 2.6% balance trans fee. Plus you collect clubcard points. 16.9% APR
#3
Good deal if you only use it to transfer a balance.

If you use the card as well your repayments are first allocated to the balance transfered while the purchases will be charged at 15.9% APR

Get the card, transfer balance, then cut up card - Don't be tempted to use it.

Hot deal for Balance transfers only. :thumbsup:
#4
hankmarvin4
also similar to the Tesco deal, 14 months % free on bal transfers, 6 months % free on purchases and I think a 2.6% balance trans fee. Plus you collect clubcard points. 16.9% APR

thanks : )
#5
rolo28;4547167
Get the card, transfer balance, then cut up card - Don't be tempted to use it.


Very important!!
#6
gary_rip
Very important!!


rolo28
Get the card, transfer balance, then cut up card - Don't be tempted to use it.


Can't stress this enough!
0% is only applied for the full period IF you do not use the card for ANY purchases during the period - learnt this the hard way first time I did it!
#7
Is This for New customers or Existing?

Thanks
Adrian
#8
yes yes good timing.
my 15mnths on my virgin credit card just expired so going to transfer it onto this one now!
#9
but remember their customer service is useless, just think of all of those messed about by the zero card fiasco
#10
eslick
but remember their customer service is useless, just think of all of those messed about by the zero card fiasco


Me being 1:oops:

The right hand doesn't know what the left hand is doing:thinking:

Abbey CS is shocking
#11
Just applied online.....................not sure if i have been accepted, just given a ref number to save ????.
#12
mx-3
Just applied online.....................not sure if i have been accepted, just given a ref number to save ????.


Yeah one of the poor points with abbey is no instant decision.

If you need the card quickly I would go into a branch or phone up for an instant decision. Abbey online banking is behind most other banks.

Admittely the customer service is poor - Since the abbey credit cards were brought back in house the knowledge on the processes etc. is poor - this should hopefully get better.
#13
adrian2000
Is This for New customers or Existing?

Thanks
Adrian


You can apply for it if you are an existing customer - however you have a total credit limit through abbey's in house systems, and may be declined citing that you already have an Abbey card.
#14
If you have the cash then pay off the debt as paying 3% is higher than the 1-2% interest on savings - so AVOID.

if you don't its a goodish loan rate and take it - but be aware it may come back and bite you later
#15
I'd check with Abbey before cutting up the card if you don't intend to use it. I did that with a card for some company and then needed to call them about something. They refused to help as I didn't have the card and the CVV (security code on the signature strip)...
#16
This is a question to anyone who has an advance knowdge of the Credit checking process.
i have applied for 2 CC in the past 3 months , both have been declined. I am in full time work and earn an average wage. no major out goings, few other cards. Is there any point trying to apply for this card>? i know your credit rating is affected each time you make an application.

Any advice appriciated.
Thank in advance
#17
hankmarvin4
also similar to the Tesco deal, 14 months % free on bal transfers, 6 months % free on purchases and I think a 2.6% balance trans fee. Plus you collect clubcard points. 16.9% APR


I'm interested in the Tesco one, but I can't see it on their website... Don't suppose anyone has a link do they please?

Thanks.

H&R for this one, although I'll hold out for the Tesco one if it is true, as they do instant decision online and like others, I only want it for the 0% deal.
banned 1 Like #18
Goopster
I'm interested in the Tesco one, but I can't see it on their website... Don't suppose anyone has a link do they please?

Thanks.

H&R for this one, although I'll hold out for the Tesco one if it is true, as they do instant decision online and like others, I only want it for the 0% deal.


http://www.tescofinance.com/personal/finance/finance/creditcards/clubcc/summary-box.html

I think the balance trans fee comes up when you apply and enter CC details to trans over, I am sure its around 2.6%. I applied and had my card within 5 days.
banned#19
insideman
This is a question to anyone who has an advance knowdge of the Credit checking process.
i have applied for 2 CC in the past 3 months , both have been declined. I am in full time work and earn an average wage. no major out goings, few other cards. Is there any point trying to apply for this card>? i know your credit rating is affected each time you make an application.

Any advice appriciated.
Thank in advance


First check you credit report at experian or somewhere like that, make sure you havent got anything major on there.

If you really want a CC try Capital One or Vanquis as they tend to give cards to those with no great credit scores, but their rates are not as competitive as this deal.
#20
insideman
This is a question to anyone who has an advance knowdge of the Credit checking process.
i have applied for 2 CC in the past 3 months , both have been declined. I am in full time work and earn an average wage. no major out goings, few other cards. Is there any point trying to apply for this card>? i know your credit rating is affected each time you make an application.

Any advice appriciated.
Thank in advance


As hankmarvin4 said, check your credit report (preferably the same one which the CC company used to check). There could be something obvious on there which is wrong.

Bare in mind that just because one CC company rejects you, it doesn't necessarily mean another will because they all have their own "criteria" which you need to meet. However, get rejected too many times in a set period and you could face getting automatically rejected in further applications because they see that you have been rejected by numerous CC companies (this would be part of their criteria set by a CC company, e.g. have you been rejected by more than one other CC company = yes).

See here for more information on how Credit Scoring works:

http://www.moneysavingexpert.com/banking/credit-rating-credit-score

Do the credit checker on there and see how good your credit score is. Takes about 2 minutes and you don't have to give any personal information.
#21
I just applied for the Tesco card after reading this thread.

I have about £1200 on a Virgin CC and my 0% interest on purchases ends soon, so I am using the Tesco card to transfer the £1200 over for 14 months interest free. It was an instant decision, and they gave me £2000 too. Not bad considering I have a £2000 overdraft, £2000 limit on the Virgin, £2250 Limit on Bank of Scotland One card.

The only annoying thing is that I picked the blue creditcard, and it says they are sending me out the strawberry one. And I did not get the advertised rate of APR (I got 19.9%) but I don't intend to use this card for purchases.

I was reading previously about not to use the CC for purchases if you have a balance transfer on it as you will lose it. Is this true?
#22
hankmarvin4
http://www.tescofinance.com/personal/finance/finance/creditcards/clubcc/summary-box.html

I think the balance trans fee comes up when you apply and enter CC details to trans over, I am sure its around 2.6%. I applied and had my card within 5 days.


Thanks for that, much appreciated. Have some rep :)
#23
Still not received a reply from these guys....................poor show.
#24
Applied, received letter today saying I had been conditionally accepted and asking for agreement form to be signed and returned. On closer inspection interest free period has been cut to 6 months on balance transfers but extended to 6 months for purchases. There is also no fee for balance transfers. No indication of credit limit. Also APR 18.9% Confused!!
#25
I don't think they know what they are doing. I received two conditionally accepted letters separately, with different "if undelivered" addresses on the back of the envelopes. Both letters formatted differently but both with the same information. However, one envelope has a summary box sheet which has completely different information regarding APR and balance transfer 0% period from the rest of the pages in that envelope and the other envelope has a request for ID but no address to send it to.

And both letters had the same reference number.
#26
Does this card allow you to transfer balances directly to your current account like the Virgin card?
Thanks in advance.
#27
An absolutely mickey mouse company...avoid.

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