Barclaycard Platinum 25/25 Credit Card - 0% On Balance Transfers & Purchases + £25 cashback (Quidco) - HotUKDeals
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Barclaycard Platinum 25/25 Credit Card - 0% On Balance Transfers & Purchases + £25 cashback (Quidco)

£0.00 @ Barclaycard
Enjoy 0% interest on purchases and balance transfers - 0% interest on purchases for 25 months from the date you open your account - 0% interest for 25 months on balance transfers made within 60 days… Read More
vassy1 Avatar
1w, 6d agoFound 1 week, 6 days ago
Enjoy 0% interest on purchases and balance transfers
- 0% interest on purchases for 25 months from the date you open your account
- 0% interest for 25 months on balance transfers made within 60 days of opening your account. Your 0% offer will start from the date you make your balance transfer. (1.49% fee applies)
- A transfer fee of 2.5% will be applied to your account at first, but you'll only pay 1.49% as we'll refund the difference – terms and conditions apply.

Quidco

P.S - if you are unsure if you will be accepted for the card worth looking at your likelihood of acceptance via the Moneysupermarket smart search tool.
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vassy1 Avatar
1w, 6d agoFound 1 week, 6 days ago
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#1
I am new to credit cards so forgive my ignorance. In case I was accepted for BT card, then I would need to open an account with Barclays or I could still transfer the money to my current bank's Basic or Saving account? and pay the minimum monthly payment by direct debit from my Basic account?

Edited By: mha_860 on May 09, 2017 15:54
3 Likes #2
mha_860
I am new to credit cards so forgive my ignorance. In case I was accepted for BT card, then I would need to open an account with Barclays or I could still transfer the money to my current bank's Basic or Saving account? and pay the minimum monthly payment by direct debit from my Basic account?


Hi, no problem, we were all new to cc at one time.
A bt card is used for transferring debt from another credit card to save on interest.

Transfers to a bank account is a cash transfer card and are never really worth using due to the fees
3 Likes #3
mha_860
I am new to credit cards so forgive my ignorance. In case I was accepted for BT card, then I would need to open an account with Barclays or I could still transfer the money to my current bank's Basic or Saving account? and pay the minimum monthly payment by direct debit from my Basic account?

A balance transfer card is for you to transfer any existing debt over to it to avoid paying high interest fees on your outstanding debt. It's not for transferring money from the card to your current account.

A purchase card allows you to buy things and pay it off over a period of so many months. You need to pay at least the minimum each month to keep your 0% interest offer too.

To pay money into your account, you'll want a money transfer card. This card isn't the one you want. :)

To pay back the credit card debt, you can pay it from any bank you wish. You won't need a Barclays account to pay it off in this example. As Vassy has said though, do a check using the smart search tool to check your chances of being accepted as it won't affect your current credit rating that way. If you apply for cards and fail, it will bring your rating down and affect your chances even more.

http://www.moneysavingexpert.com/credit-cards/

Use that link to read up on credit cards and to find some of the best offers around. Sign up to their credit club to check your credit score too if you haven't already done so. Also, sign up to Noddle and Clearscore to cover all three of the credit rating agencies and get credit reports for free. (Experian, Equifax and CallCredit)

MSE Credit Club link

Clearscore link

Noddle link

Edited By: biddilybah on May 09, 2017 16:15
1 Like #4
jackvdbuk
mha_860
I am new to credit cards so forgive my ignorance. In case I was accepted for BT card, then I would need to open an account with Barclays or I could still transfer the money to my current bank's Basic or Saving account? and pay the minimum monthly payment by direct debit from my Basic account?


Hi, no problem, we were all new to cc at one time.
A bt card is used for transferring debt from another credit card to save on interest.

Transfers to a bank account is a cash transfer card and are never really worth using due to the fees


this isn't quite right. You can get money transfers on similar terms to a balance transfer.

You are talking about withdrawing cash. This is expensive.
1 Like #5
smegal
jackvdbuk
mha_860
I am new to credit cards so forgive my ignorance. In case I was accepted for BT card, then I would need to open an account with Barclays or I could still transfer the money to my current bank's Basic or Saving account? and pay the minimum monthly payment by direct debit from my Basic account?
Hi, no problem, we were all new to cc at one time.
A bt card is used for transferring debt from another credit card to save on interest.
Transfers to a bank account is a cash transfer card and are never really worth using due to the fees
this isn't quite right. You can get money transfers on similar terms to a balance transfer.
You are talking about withdrawing cash. This is expensive.
I want to pay for my wife's tuition fees (both are international so we can't take loans). So I thought BT card is the best (may be the only) option to get money and pay for her fees. Hope it is clearer now, and many thanks :)
2 Likes #6
This has the same acceptance criteria as a loan, if you qualify for this, you qualify for any loan as well.
#7
Wonder if they do a Barclaycard Pewter? After the wife gets on ours that's probably all we'd be accepted for...

Heat added btw.
#8
I have been with Barclays last 18months. I was able to gradually increase my credit limit. Customer service is good and you get free experian credit score through their app.
#9
sam_of_london
This has the same acceptance criteria as a loan, if you qualify for this, you qualify for any loan as well.
The plan is to pay off within the 0% period to avoid paying the interest. I think with loans we don't have this 0% period.
2 Likes #10
mha_860
sam_of_london
This has the same acceptance criteria as a loan, if you qualify for this, you qualify for any loan as well.
The plan is to pay off within the 0% period to avoid paying the interest. I think with loans we don't have this 0% period.


This is still 1.49 balance transfer fee. Barclays charge balance 0% balance transfer fee to their existing customers.
1 Like #11
9.5/10 chance of being accepted according to that tool vassy4u :) and due a transfer i think have a few months left on a sainsburys deal :) its small enough the cashback will cover the fee :) might go for this heat added.

thank you
banned 1 Like #12
Thanks OP!
1 Like #13
Has anyone got cashback off quidco lately? Topcashback, no problems, but quidco I haven't had anything since 2014 and there's a fair few purchases in there. Complaints to quidco fall on deaf ears
#14
I'm waiting for money transfer offer to appear on my barclaycard initial as I always been using to get 0% money transfer to my bank account for 12 months. Unfortunately, nothing showing in my account at the moment. Does anyone know if they just randomly appear?
#15
How do these "dual" cards work? As in balance transfer AND purchases (_;)

How would this scenario work out for me: I get the card, transfer £xx which I pay back in equal payments over 25 months until the debt is settled. Would I simultaneously be able to spend £xxx and pay the minimum off each month? I don't see how the transferred balance would be different from the purchases balance... I've also resorted to using two separate cards.

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