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Barclaycard 0% Interest for 35 Months

£0.00 @ Barclaycard
Just read this offer has been extended to 35 months. Don't forget £25 Quidco http://www.quidco.com/barclaycard-platinum-35m-balance-transfer/ - adoyle1987 Read More
djh1975 Avatar
2y, 3m agoFound 2 years, 3 months ago
Just read this offer has been extended to 35 months.

Don't forget £25 Quidco

http://www.quidco.com/barclaycard-platinum-35m-balance-transfer/

- adoyle1987
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Top Comments

(2)
21 Likes
crazymonkey
At this rate, I'll get one when they do 60 months interest free. Use it, pay minimum up to the end of the 60 months and die, as 2012 is approaching....

2012 is approaching? Have I woken from my christmas food coma and gone back in time?
20 Likes
These aren't just good for moving debt, and removing interest. They have great benefits if used correctly.

Here's an example.

I want a motorbike, it costs £8,000. I don't have enough money to buy out right, I can pay the average 5% APR, they want on finance, and go though vigorous credit checks. Or I can buy it on a card (this one doesn't allow 0% for 35 months on purchases) so it will be done differently. Buy it on a card, then transfer that 'debt' to this card, it will add roughly 3% on, and be 0% for 3 years. When the 3 years is nearly over if I haven't already paid it off, I can then transfer the remainder of the debt to another 0% card for 3 years. This would essentially give me 6 years to pay it off, 0% interest just the transfer fee, which is equivalent to 1% APR for the first 3 years, now assuming you have paid half off by the first 3 years, the second 3 years paying off will be 0.5% APR.


This was an example, and a credit card has hundreds of uses (besides giving you credit)

For example, I have 6 direct debits, all on 6 different dates, I may forget to leave money in the bank for one or two of them, so I have an aquacard (around 26% APR) which allows direct debits. So rather than calling 6 companies, arranging to make payments across all of them on the same date to make it more manageable (which, in my experience, they don't often actually take it out on the right date) I put all my direct debit through my aqua card and then aqua take the money out of my bank at the end of every month on the same date every month. Now, I have to keep in contact with one company, I can see what's happening all in one place, I pay no interest (because it's always paid in full, each month) and it doesn't matter when another company takes the money out because essentially the money's always there for them. And God forbid, something happens which doesn't allow me to pay one or more of the bills, I can always pay a bit less to aqua and pull it up the next month, or month after and so on (then bring charged interest like, but a small amount compared to late payment fees with companies, and bad reports on your credit)

I actually do this, and it is brilliant. Credit cards aren't all about racking up debt and if used correctly by someone who has the will power to not go crazy and be like 'just put it on the credit card, I'll worry about it later' and so on, they can not only help manage your finances, but can save you money and even make you small amounts of money!

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1 Like #1
At this rate, I'll get one when they do 60 months interest free. Use it, pay minimum up to the end of the 60 months and die, as 2012 is approaching....
21 Likes #2
crazymonkey
At this rate, I'll get one when they do 60 months interest free. Use it, pay minimum up to the end of the 60 months and die, as 2012 is approaching....

2012 is approaching? Have I woken from my christmas food coma and gone back in time?
2 Likes #3
I wondered if I'd had too many rum and cokes and gone back in time. oO
2 Likes #4
On balance transfers. 6 months 0% interest on purchases.
#5
crazymonkey
At this rate, I'll get one when they do 60 months interest free. Use it, pay minimum up to the end of the 60 months and die, as 2012 is approaching....

lol
#6
crazymonkey
At this rate, I'll get one when they do 60 months interest free. Use it, pay minimum up to the end of the 60 months and die, as 2012 is approaching....

Really had a good chuckle :D
#7
When does this expire?
#8
Neontope
On balance transfers. 6 months 0% interest on purchases.

could someone please explain to me what this balance transfer is and what could I achieve from it?
#9
On balance transfer means that it transfer the balance from another card. Usually they charge you a small fee to do this, I've not looked at the like but it's likely to be around 3%. This could save you a lot of money if you have debits on another card and can't afford to pay it off in one go, this way you can pay it over 3 years for a very small fee.
2 Likes #10
STi_prodrive
Neontope
On balance transfers. 6 months 0% interest on purchases.
could someone please explain to me what this balance transfer is and what could I achieve from it?

Moving debt from one card to another ;)
3 Likes #11
crazymonkey
At this rate, I'll get one when they do 60 months interest free. Use it, pay minimum up to the end of the 60 months and die, as 2012 is approaching....
I'll have what this guy is drinking....
#12
These cards are fantastic when used right! Barclaycard are the market leader in these long transfers...

Have some Jean OP.
#13
Heat, not Jean. Bloody predictive text...
1 Like #14
STi_prodrive
Neontope
On balance transfers. 6 months 0% interest on purchases.
could someone please explain to me what this balance transfer is and what could I achieve from it?

Someone may have a large amount of debt on one card at a high rate of interest. This card enables you to transfer that debt and not accumulate anymore interest on it for 30 months. Although if you cant afford to pay your monthly bill in full each month then you should seriously think about if you should have a credit card at all in my opinion.
1 Like #15
are you all drunk here?
#16
Would be great if you can actually get it. I done the transferring a few times and now can't get accepted for any more
#17
I have this. Very good product.
20 Likes #18
These aren't just good for moving debt, and removing interest. They have great benefits if used correctly.

Here's an example.

I want a motorbike, it costs £8,000. I don't have enough money to buy out right, I can pay the average 5% APR, they want on finance, and go though vigorous credit checks. Or I can buy it on a card (this one doesn't allow 0% for 35 months on purchases) so it will be done differently. Buy it on a card, then transfer that 'debt' to this card, it will add roughly 3% on, and be 0% for 3 years. When the 3 years is nearly over if I haven't already paid it off, I can then transfer the remainder of the debt to another 0% card for 3 years. This would essentially give me 6 years to pay it off, 0% interest just the transfer fee, which is equivalent to 1% APR for the first 3 years, now assuming you have paid half off by the first 3 years, the second 3 years paying off will be 0.5% APR.


This was an example, and a credit card has hundreds of uses (besides giving you credit)

For example, I have 6 direct debits, all on 6 different dates, I may forget to leave money in the bank for one or two of them, so I have an aquacard (around 26% APR) which allows direct debits. So rather than calling 6 companies, arranging to make payments across all of them on the same date to make it more manageable (which, in my experience, they don't often actually take it out on the right date) I put all my direct debit through my aqua card and then aqua take the money out of my bank at the end of every month on the same date every month. Now, I have to keep in contact with one company, I can see what's happening all in one place, I pay no interest (because it's always paid in full, each month) and it doesn't matter when another company takes the money out because essentially the money's always there for them. And God forbid, something happens which doesn't allow me to pay one or more of the bills, I can always pay a bit less to aqua and pull it up the next month, or month after and so on (then bring charged interest like, but a small amount compared to late payment fees with companies, and bad reports on your credit)

I actually do this, and it is brilliant. Credit cards aren't all about racking up debt and if used correctly by someone who has the will power to not go crazy and be like 'just put it on the credit card, I'll worry about it later' and so on, they can not only help manage your finances, but can save you money and even make you small amounts of money!
#19
Comment
YoAlpha
These aren't just good for moving debt, and removing interest. They have great benefits if used correctly.

Here's an example.

I want a motorbike, it costs £8,000. I don't have enough money to buy out right, I can pay the average 5% APR, they want on finance, and go though vigorous credit checks. Or I can buy it on a card (this one doesn't allow 0% for 35 months on purchases) so it will be done differently. Buy it on a card, then transfer that 'debt' to this card, it will add roughly 3% on, and be 0% for 3 years. When the 3 years is nearly over if I haven't already paid it off, I can then transfer the remainder of the debt to another 0% card for 3 years. This would essentially give me 6 years to pay it off, 0% interest just the transfer fee, which is equivalent to 1% APR for the first 3 years, now assuming you have paid half off by the first 3 years, the second 3 years paying off will be 0.5% APR.


This was an example, and a credit card has hundreds of uses (besides giving you credit)

For example, I have 6 direct debits, all on 6 different dates, I may forget to leave money in the bank for one or two of them, so I have an aquacard (around 26% APR) which allows direct debits. So rather than calling 6 companies, arranging to make payments across all of them on the same date to make it more manageable (which, in my experience, they don't often actually take it out on the right date) I put all my direct debit through my aqua card and then aqua take the money out of my bank at the end of every month on the same date every month. Now, I have to keep in contact with one company, I can see what's happening all in one place, I pay no interest (because it's always paid in full, each month) and it doesn't matter when another company takes the money out because essentially the money's always there for them. And God forbid, something happens which doesn't allow me to pay one or more of the bills, I can always pay a bit less to aqua and pull it up the next month, or month after and so on (then bring charged interest like, but a small amount compared to late payment fees with companies, and bad reports on your credit)

I actually do this, and it is brilliant. Credit cards aren't all about racking up debt and if used correctly by someone who has the will power to not go crazy and be like 'just put it on the credit card, I'll worry about it later' and so on, they can not only help manage your finances, but can save you money and even make you small amounts of money!


Brilliant! Thanks for the info
#20
I've already got a deal on my barclay card. Think it was for 24 months. Wonder if I can qualify for this and extend the free months deal...
#21
YoAlpha
These aren't just good for moving debt, and removing interest. They have great benefits if used correctly.

Here's an example.

I want a motorbike, it costs £8,000. I don't have enough money to buy out right, I can pay the average 5% APR, they want on finance, and go though vigorous credit checks. Or I can buy it on a card (this one doesn't allow 0% for 35 months on purchases) so it will be done differently. Buy it on a card, then transfer that 'debt' to this card, it will add roughly 3% on, and be 0% for 3 years. When the 3 years is nearly over if I haven't already paid it off, I can then transfer the remainder of the debt to another 0% card for 3 years. This would essentially give me 6 years to pay it off, 0% interest just the transfer fee, which is equivalent to 1% APR for the first 3 years, now assuming you have paid half off by the first 3 years, the second 3 years paying off will be 0.5% APR.


This was an example, and a credit card has hundreds of uses (besides giving you credit)

For example, I have 6 direct debits, all on 6 different dates, I may forget to leave money in the bank for one or two of them, so I have an aquacard (around 26% APR) which allows direct debits. So rather than calling 6 companies, arranging to make payments across all of them on the same date to make it more manageable (which, in my experience, they don't often actually take it out on the right date) I put all my direct debit through my aqua card and then aqua take the money out of my bank at the end of every month on the same date every month. Now, I have to keep in contact with one company, I can see what's happening all in one place, I pay no interest (because it's always paid in full, each month) and it doesn't matter when another company takes the money out because essentially the money's always there for them. And God forbid, something happens which doesn't allow me to pay one or more of the bills, I can always pay a bit less to aqua and pull it up the next month, or month after and so on (then bring charged interest like, but a small amount compared to late payment fees with companies, and bad reports on your credit)

I actually do this, and it is brilliant. Credit cards aren't all about racking up debt and if used correctly by someone who has the will power to not go crazy and be like 'just put it on the credit card, I'll worry about it later' and so on, they can not only help manage your finances, but can save you money and even make you small amounts of money!


Do most cc companies not allow direct debits to be taken from the card?
#22
dunno how they do the credit score. but mines not that good but they given me £8000.
#23
Posted this last week it's a good deal
#24
Thanks. Perfect timing for me. Application was done inc balance transfered and approved within 10 mins
#25
do you have to be with barclays to get this deal
#26
thomas01155
STi_prodrive
Neontope
On balance transfers. 6 months 0% interest on purchases.
could someone please explain to me what this balance transfer is and what could I achieve from it?

Moving debt from one card to another ;)
you can (could have) do it for decades....must get life insurance or will it get written off when I die?
#27
YoAlpha
These aren't just good for moving debt, and removing interest. They have great benefits if used correctly.

Here's an example.

I want a motorbike, it costs £8,000. I don't have enough money to buy out right, I can pay the average 5% APR, they want on finance, and go though vigorous credit checks. Or I can buy it on a card (this one doesn't allow 0% for 35 months on purchases) so it will be done differently. Buy it on a card, then transfer that 'debt' to this card, it will add roughly 3% on, and be 0% for 3 years. When the 3 years is nearly over if I haven't already paid it off, I can then transfer the remainder of the debt to another 0% card for 3 years. This would essentially give me 6 years to pay it off, 0% interest just the transfer fee, which is equivalent to 1% APR for the first 3 years, now assuming you have paid half off by the first 3 years, the second 3 years paying off will be 0.5% APR.


This was an example, and a credit card has hundreds of uses (besides giving you credit)

For example, I have 6 direct debits, all on 6 different dates, I may forget to leave money in the bank for one or two of them, so I have an aquacard (around 26% APR) which allows direct debits. So rather than calling 6 companies, arranging to make payments across all of them on the same date to make it more manageable (which, in my experience, they don't often actually take it out on the right date) I put all my direct debit through my aqua card and then aqua take the money out of my bank at the end of every month on the same date every month. Now, I have to keep in contact with one company, I can see what's happening all in one place, I pay no interest (because it's always paid in full, each month) and it doesn't matter when another company takes the money out because essentially the money's always there for them. And God forbid, something happens which doesn't allow me to pay one or more of the bills, I can always pay a bit less to aqua and pull it up the next month, or month after and so on (then bring charged interest like, but a small amount compared to late payment fees with companies, and bad reports on your credit)

I actually do this, and it is brilliant. Credit cards aren't all about racking up debt and if used correctly by someone who has the will power to not go crazy and be like 'just put it on the credit card, I'll worry about it later' and so on, they can not only help manage your finances, but can save you money and even make you small amounts of money!
YoAlpha
These aren't just good for moving debt, and removing interest. They have great benefits if used correctly.

Here's an example.

I want a motorbike, it costs £8,000. I don't have enough money to buy out right, I can pay the average 5% APR, they want on finance, and go though vigorous credit checks. Or I can buy it on a card (this one doesn't allow 0% for 35 months on purchases) so it will be done differently. Buy it on a card, then transfer that 'debt' to this card, it will add roughly 3% on, and be 0% for 3 years. When the 3 years is nearly over if I haven't already paid it off, I can then transfer the remainder of the debt to another 0% card for 3 years. This would essentially give me 6 years to pay it off, 0% interest just the transfer fee, which is equivalent to 1% APR for the first 3 years, now assuming you have paid half off by the first 3 years, the second 3 years paying off will be 0.5% APR.


This was an example, and a credit card has hundreds of uses (besides giving you credit)

For example, I have 6 direct debits, all on 6 different dates, I may forget to leave money in the bank for one or two of them, so I have an aquacard (around 26% APR) which allows direct debits. So rather than calling 6 companies, arranging to make payments across all of them on the same date to make it more manageable (which, in my experience, they don't often actually take it out on the right date) I put all my direct debit through my aqua card and then aqua take the money out of my bank at the end of every month on the same date every month. Now, I have to keep in contact with one company, I can see what's happening all in one place, I pay no interest (because it's always paid in full, each month) and it doesn't matter when another company takes the money out because essentially the money's always there for them. And God forbid, something happens which doesn't allow me to pay one or more of the bills, I can always pay a bit less to aqua and pull it up the next month, or month after and so on (then bring charged interest like, but a small amount compared to late payment fees with companies, and bad reports on your credit)

I actually do this, and it is brilliant. Credit cards aren't all about racking up debt and if used correctly by someone who has the will power to not go crazy and be like 'just put it on the credit card, I'll worry about it later' and so on, they can not only help manage your finances, but can save you money and even make you small amounts of money!

Bah, my brain hurts already, great info, I wasn't aware of this, but then again, knowledge in finance is definitely not my cup of tea.
1 Like #28
Just a heads up. Santander (15 months) Tesco (12 months) do an interest AND fee free balance transfer card. Might help somebody if they don't need as long to pay the balance off.

Santander

Tesco
1 Like #29
bvgp
are you all drunk here?

it's Christmas, who isn't?
#30
Signed up. Approved. Hot.
#31
HOT. These are great for helping you get your CC finances sorted.

I took the offer out last time round, and its saved me a fair bit in interest payments. Im aiming to pay my CC debts of over the course of the duration of the 0% period.
#32
Comment
YoAlpha
These aren't just good for moving debt, and removing interest. They have great benefits if used correctly.

Here's an example.

I want a motorbike, it costs £8,000. I don't have enough money to buy out right, I can pay the average 5% APR, they want on finance, and go though vigorous credit checks. Or I can buy it on a card (this one doesn't allow 0% for 35 months on purchases) so it will be done differently. Buy it on a card, then transfer that 'debt' to this card, it will add roughly 3% on, and be 0% for 3 years. When the 3 years is nearly over if I haven't already paid it off, I can then transfer the remainder of the debt to another 0% card for 3 years. This would essentially give me 6 years to pay it off, 0% interest just the transfer fee, which is equivalent to 1% APR for the first 3 years, now assuming you have paid half off by the first 3 years, the second 3 years paying off will be 0.5% APR.


This was an example, and a credit card has hundreds of uses (besides giving you credit)

For example, I have 6 direct debits, all on 6 different dates, I may forget to leave money in the bank for one or two of them, so I have an aquacard (around 26% APR) which allows direct debits. So rather than calling 6 companies, arranging to make payments across all of them on the same date to make it more manageable (which, in my experience, they don't often actually take it out on the right date) I put all my direct debit through my aqua card and then aqua take the money out of my bank at the end of every month on the same date every month. Now, I have to keep in contact with one company, I can see what's happening all in one place, I pay no interest (because it's always paid in full, each month) and it doesn't matter when another company takes the money out because essentially the money's always there for them. And God forbid, something happens which doesn't allow me to pay one or more of the bills, I can always pay a bit less to aqua and pull it up the next month, or month after and so on (then bring charged interest like, but a small amount compared to late payment fees with companies, and bad reports on your credit)

I actually do this, and it is brilliant. Credit cards aren't all about racking up debt and if used correctly by someone who has the will power to not go crazy and be like 'just put it on the credit card, I'll worry about it later' and so on, they can not only help manage your finances, but can save you money and even make you small amounts of money!


I thought it was just me who did this lol high five
#33
If I already have a different Credit Card with Barclays will I be able to get this card too?
#34
I doubt a car or motorbike dealership would allow more than a deposit to be paid on a credit card.
#35
X10
If I already have a different Credit Card with Barclays will I be able to get this card too?
No
#36
W1zz
I doubt a car or motorbike dealership would allow more than a deposit to be paid on a credit card.
Of course they do. However, they may charge a fee.
#37
Can you transfer a personal loan?
#38
X10
If I already have a different Credit Card with Barclays will I be able to get this card too?

I have been told by some cc companies that you can ask them to close down your current credit card and apply for offers like these again.
#39
Houstieboy
W1zz
I doubt a car or motorbike dealership would allow more than a deposit to be paid on a credit card.
Of course they do. However, they may charge a fee.

I managed to negotiate a 1% fee for using a VISA credit card at a Hyundai main dealer. Got 1% back in points, then stoozed it so a good deal for me. At that time I was getting 5% interest on my savings, so best to take on the "debt" and keep my savings working hard for me, rather than withdraw them to pay with no debt.
1 Like #40
Dice-e
Can you transfer a personal loan?

if you pay the loan off by another credit card and then transfer it. remember to get the full benefit by not using the the card. if you pay something for say £300 after the transfer. that will attract interest and any payments you make will come off the balance transfer first.
even though its interest free. you will still be making minimum payments every month. about £15 per month per £1000. so set up a direct debit payment. otherwise if you miss a payment. your interest free deal will be in default and scrapped. and interest will be added

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