MBNA Deals & Sales for 2016 - HotUKDeals
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64

MBNA's new online-only brand Nuba launches with 41 month balance transfer offer, and an 'all-round' credit card, plus a £20 Amazon voucher sign-up perk

10
Read about it here on Moneysaving Expert: http://www.moneysavingexpert.com/news/cards/2016/10/mbna-unveils-new-credit-card-brand-featuring-20-amazon-gift-cards MBNA has unveiled a new online-onl…
PureJT Avatar1m, 2w agoFound 1 month, 2 weeks ago10 Comments
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rooney10
Title needs amending to show the fee as it isn't 0% as stated.

Sorry about that - amended
wendyak
ok, so I've signed up as have a fairly low rate card but the only sting was the fee - I will recoup this in four months though ...does anyone know what percentage minimum payment is as I can't find that info on t & cs ??
depends on the amount you lend. they only have the options to pay the minimum or pay balance in full, so create a standing order for the rest
Title needs amending to show the fee as it isn't 0% as stated.
misleading title
Anon32
"The Nuba range comprises a balance transfer card offering up to 41 months 0% for a 3.49% fee and an all-rounder card, which has up to 25 months 0% on purchases, balance transfers (2.39% fee) and money transfers (4% fee)."

So its not a 0% fee is it? The title needs chaging as it looks like its a 0% fee for a 41 month balance transfer


yep, title is very misleading.
-80

mbna credit card with 0% on balance transfers for 41 months

14
I'm not an expert on credit cards by any means and neither I'm interested in one but this seemed like a decent deal.
ktbffh Avatar2m, 2w agoFound 2 months, 2 weeks ago14 Comments
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Had no problems in about 6/7 years. Someone abroad spend £3000 on it once and was quickly spotted and removed from my account.
whuami
eslick
whuami
DO NOT APPLY FOR A CARD WITH THIS COMPANY... I have been charged with fees left, right and center. I too thought great offer and took advantage but just came out of this money grabbing company.. I was at fault too not having checked my statements properly but in the past 6 months they charged £900 in interest and charges, very high indeed. Please beware unless you are on top of finances always.
Sorry but that is the most ridiculous post I have ever seen in all my time on this site, you are correct you are at fault, finance is an important part of life and anyone who doesn't take it seriously is crazy, if you mess up any card you will get interest and fees charged that is what they are there for. Unbelievable don't follow the terms of your card, get charged and then blame the company :(
As ridiculous as it may be for financial buzz like you, I was just sharing my experience of how much fees and other charges they impose, maybe not just this company but out of many other CCs I have had this has got to be the worst. Just for those thinking they will be on track with it all, just be careful as one day it does get out of control. Take it as an advise or ignore it as a ridiculous post and state the obvious which I have already, up to you.


You do not need to be a financial expert to gave a credit card, two simple steps, set up a direct debit for the minimum payment but make sure you fund the account. On the anniversary of the account being opened when your interest free period ends make sure you have moved to another card. Really if you can't do any of that you, yes you shouldn't be getting a credit card or any other loan, of any type of bill that you have to pay in a certain date. Really it's not rocket science :(
eslick
whuami
DO NOT APPLY FOR A CARD WITH THIS COMPANY... I have been charged with fees left, right and center. I too thought great offer and took advantage but just came out of this money grabbing company.. I was at fault too not having checked my statements properly but in the past 6 months they charged £900 in interest and charges, very high indeed. Please beware unless you are on top of finances always.
Sorry but that is the most ridiculous post I have ever seen in all my time on this site, you are correct you are at fault, finance is an important part of life and anyone who doesn't take it seriously is crazy, if you mess up any card you will get interest and fees charged that is what they are there for. Unbelievable don't follow the terms of your card, get charged and then blame the company :(
I agree. Any card will charge you ridiculous fees if you don't manage it properly. The fees here might be slightly higher... But the key is to avoid them completely.

As for the deal, 3.49% fee is high compared to, say, Tesco 0% for 24 months...
eslick
whuami
DO NOT APPLY FOR A CARD WITH THIS COMPANY... I have been charged with fees left, right and center. I too thought great offer and took advantage but just came out of this money grabbing company.. I was at fault too not having checked my statements properly but in the past 6 months they charged £900 in interest and charges, very high indeed. Please beware unless you are on top of finances always.
Sorry but that is the most ridiculous post I have ever seen in all my time on this site, you are correct you are at fault, finance is an important part of life and anyone who doesn't take it seriously is crazy, if you mess up any card you will get interest and fees charged that is what they are there for. Unbelievable don't follow the terms of your card, get charged and then blame the company :(

As ridiculous as it may be for financial buzz like you, I was just sharing my experience of how much fees and other charges they impose, maybe not just this company but out of many other CCs I have had this has got to be the worst. Just for those thinking they will be on track with it all, just be careful as one day it does get out of control. Take it as an advise or ignore it as a ridiculous post and state the obvious which I have already, up to you.
whuami
DO NOT APPLY FOR A CARD WITH THIS COMPANY... I have been charged with fees left, right and center. I too thought great offer and took advantage but just came out of this money grabbing company.. I was at fault too not having checked my statements properly but in the past 6 months they charged £900 in interest and charges, very high indeed. Please beware unless you are on top of finances always.


Sorry but that is the most ridiculous post I have ever seen in all my time on this site, you are correct you are at fault, finance is an important part of life and anyone who doesn't take it seriously is crazy, if you mess up any card you will get interest and fees charged that is what they are there for. Unbelievable don't follow the terms of your card, get charged and then blame the company :(
-231

Free Spurs (third kit) Shirt - MBNA Credit Card

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Spend £200 on a new MBNA credit card within 90 days and receive a 'free' Spurs shirt (third shirt) I have an existing MBNA card and this wasn't a problem. Repay the balance before any interest i…
PaulTheYid Avatar2m, 3w agoFound 2 months, 3 weeks ago13 Comments
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yeeeessss! -201°
Valiantcat
The third shirt this year is the pinstripe gold one, much better than last season's purple one.
But it would seem they can't even give them away (got to love this site sometimes!) :D
The third shirt this year is the pinstripe gold one, much better than last season's purple one.
MrScotchBonnet
PaulTheYid
RockyRobin
This is going to go arctic pal.
ha, i know people will vote cold because it's spurs! hopefully some people benefit!
Would vote cold if it was my own team.
Fair enough, personally i think it's a cheap way of getting a shirt (granted they're overpriced)
mjb1975
I assume it's a set size again, large maybe? Did this offer for that cool half and half shirt for the 125th anniversary but the shirt was way too big for me.
Otherwise great deal!
You can pick the size, if you don't submit a preference they default to men's large (unfortunately large won't be too big for me anymore! :(
32

MBNA Balance Transfer Card, 0% For 40 MONTHS! (2.55% Fee) + (Option to get pre-approved).

16
Good deal for 0% for 40 months. + Money transfers (4% fee) Also gives you the option to check if you'll get approved WITHOUT leaving a footprint on your credit file!
herby247 Avatar7m, 1d agoFound 7 months, 1 day ago16 Comments
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MattP79
herby247
simont_space
Be aware that MBNA will dump you to a debt collection within weeks of missing a payment. They do not hang onto anyone looking as if they will default.
This will attract those who may want to reduce their monthly payments and so at more risk. Check out Securitisation for how your debt is parcelled up and sold as an investment to the great and the good. This is how they make money from the % free offer.

If you miss your min or monthly repayment, a credit card is not for you.


​The second week of January the company I was employed by for over 10 ceased trading with no warning. Wages, overtime and expenses etc unpaid. Due to some dodginess with the transfer of assets to another company we've been denied redundancy payments. I'm so out of pocket it's scary.


​Surely this is why you regularly save each month?
herby247
simont_space
Be aware that MBNA will dump you to a debt collection within weeks of missing a payment. They do not hang onto anyone looking as if they will default.
This will attract those who may want to reduce their monthly payments and so at more risk. Check out Securitisation for how your debt is parcelled up and sold as an investment to the great and the good. This is how they make money from the % free offer.

If you miss your min or monthly repayment, a credit card is not for you.


​The second week of January the company I was employed by for over 10 ceased trading with no warning. Wages, overtime and expenses etc unpaid. Due to some dodginess with the transfer of assets to another company we've been denied redundancy payments. I'm so out of pocket it's scary.
herby247
simont_space
Be aware that MBNA will dump you to a debt collection within weeks of missing a payment. They do not hang onto anyone looking as if they will default.
This will attract those who may want to reduce their monthly payments and so at more risk. Check out Securitisation for how your debt is parcelled up and sold as an investment to the great and the good. This is how they make money from the % free offer.
If you miss your min or monthly repayment, a credit card is not for you.


True, but life changes and if you are, say, made redundant MBNA would stuff you much quicker than many others.
RockyRobin
Miss a payment and get chased for it. SHOCK.

MBNA, unlike many lenders, do not put up with financial difficulties even if temporary.
simont_space
Be aware that MBNA will dump you to a debt collection within weeks of missing a payment. They do not hang onto anyone looking as if they will default.
This will attract those who may want to reduce their monthly payments and so at more risk. Check out Securitisation for how your debt is parcelled up and sold as an investment to the great and the good. This is how they make money from the % free offer.

If you miss your min or monthly repayment, a credit card is not for you.
365

MBNA credit card 0% on balance transfers for up to 39 months

34
Just received an e-mail from MBNA regarding this. Seems like a cracking deal - 3 years and 3 months of peace of mind. Also the initial transfer fee is not that high 2.9%...yes, before you say it, I kn…
arpiriki Avatar10m, 1w agoFound 10 months, 1 week ago34 Comments
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good deal. got mine a month w
ianhalling
[quote=olivercer] Can somebody explain me why should I get a card that allows balance transfers for 39 months at 0 interest?
Lol now I see...
e604005
Approved mine today. Welcome to 39mth 0%.
As Joey Essex would say : "Reeeeem!"
olivercer
Can somebody explain me why should I get a card that allows balance transfers for 39 months at 0 interest?
I have received this MBNA promotion by post and I immediately binned it.
Usually when I get a new credit card I transfer the balance from the other immediately and pay it in a couple of months. How many credit cards do you have guys? I always look for 0% purchase cards (just got one from Lloyds, 21 months 0% purchases).
If you transfer your balance to this card you will have longer to pay it off at 0 percent - it's a no-brainer surely ?
olivercer
Can somebody explain me why should I get a card that allows balance transfers for 39 months at 0 interest?
I have received this MBNA promotion by post and I immediately binned it.
Usually when I get a new credit card I transfer the balance from the other immediately and pay it in a couple of months. How many credit cards do you have guys? I always look for 0% purchase cards (just got one from Lloyds, 21 months 0% purchases).
spicerboy
Be very weary of Mbna if you miss a payment even for 1 day and they will cancel any deal and charge full interest they have very poor customer service be warned.
wary not weary surely ?
163Expired

Travel for free around London using MBNA MasterCard on Friday 13 November 2015

11
Travel in London on Friday 13 November 2015 and, thanks to your contactless MBNA MasterCard®, it won’t cost you a bean. TOUCH IN ON TRANSPORT FOR LONDON THIS FARE FREE FRIDAY Touch in and out
hqq Avatar1y, 1m agoFound 1 year, 1 month ago11 Comments
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Thanks
Qasim7
I have a Mbna mastercard which is a credit card. Can that be used?
Yes.
I have a Mbna mastercard which is a credit card. Can that be used?
hqq
mrmanager
aca03mk
Will call MBNA to check as didnt get any information about this.
Voted hot :)
Did you call them? I can't find anything online and didn't get an email.
Have you ever used your MBNA Mastercard as a contactless payment?

I've only ever used it when these offers come around. Can't seem to find anything about it online and haven't got round to calling them yet.
mrmanager
aca03mk
Will call MBNA to check as didnt get any information about this.
Voted hot :)
Did you call them? I can't find anything online and didn't get an email.
Have you ever used your MBNA Mastercard as a contactless payment?
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-48

MBNA Reward Credit Card

5
Ideal for those who wants rewards out of credit cards as many of them offering low cash back and points due to EU law changes. Not for everyone however. Doubly Convenient Double points for the
hfordeals Avatar1y, 5m agoFound 1 year, 5 months ago5 Comments
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Great card, great company
escortboy
Not sure if it being with MBNA is the only reason for this being cold?
I'd need more information on how much different rewards cost because if you can trade say 10,000 points for a £100 Tesco gift card card it would work out as a good deal. This would be because each point is equivalent to 1p and so the AmEx would give the equivalent of 2% cashback (4% in first 3 months)
This probably works out as being better than the AmEx platinum cashback card, but more research is needed into whether the rewards are the equivalent of 1p per point.


I have this card.

It is 1p per 2 points. so the minimum order for gift vouchers is £10 using 2000 points.
Not sure if it being with MBNA is the only reason for this being cold?
I'd need more information on how much different rewards cost because if you can trade say 10,000 points for a £100 Tesco gift card card it would work out as a good deal. This would be because each point is equivalent to 1p and so the AmEx would give the equivalent of 2% cashback (4% in first 3 months)
This probably works out as being better than the AmEx platinum cashback card, but more research is needed into whether the rewards are the equivalent of 1p per point.
Brownbloke11
The worse credit card company in the world to deal with. If they take over the running of a card I cancel it straight away

I've used cards from MBNA owned subsidiaries before and don't have much to do with them, just do my balance transfer and ensure I have an SO, or DD in place and leave it until the 0% expires and then move on.
The worse credit card company in the world to deal with. If they take over the running of a card I cancel it straight away
14Expired

MBNA £5 Cash Back for iTunes Spend

2
Shop at iTunes or the App Store using your MBNA credit card 1 and you could get up to a maximum £5 cash back. With millions of downloads, you could be surprised how much fun a fiver can be. Browse
seahorsehelen13 Avatar1y, 5m agoFound 1 year, 5 months ago2 Comments
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It's not a freebie (ie. it requires a purchase).
Looks like a limited offer...might want to add this to the title as well

"Your account was selected for this email based on your account status as of 06/06/2015."
18

free pair of emirates cup tickets with the Arsenal credit card @ MBNA

0
Come on in and enjoy the benefits Eligibility Check: find out if you are eligible before applying for this card. As part of our eligibility check we will carry out a quotation search which won't sh…
azeezndiaye Avatar1y, 6m agoFound 1 year, 6 months agoAdd Comment
72Expired

MBNA longest ever 31 month 0% on Money Transfer to your bank to pay for high interest loans or overdrafts with only 4% fee (1.54% a year)

19
For those how are paying high interest to banks, credit cards, store cards, overdrafts, etc. this is the best deal to get cash with 0% for more than two & half years and pay your debts and save £100s
Amerviv Avatar2y, 6m agoFound 2 years, 6 months ago19 Comments
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Amerviv
Freddie Mercury
Amerviv
Freddie Mercury
Anyone know if I could transfer my £40,000 odd mortgage to this?
If your mortgage provider doesn't charge a penalty for over-payment, (most allow 10% over-payment without a penalty), or you can do that without a penalty if you are remortgaging, and if your credit score is good enough to have £40,000 cash from this MBNA deal, then get the cash and pay off your mortgage, and pay MBNA balance over the 31 month.


Would that mean I would have to be paying over a grand a month?

Would you only be paying interest on the remainder of your loan if you stuck with it after the 31 months?

Could I pay £400 a month and then pay the loan off at the end with another interest free loan from another lender?
you don't have to pay all the loan by the end of the 31 month, you can apply for another money transfer for the remaining balance, so if £400 is the minimum payment or more then you will be fine, but remember not to use over your limit or miss any payment (minimum payment by direct debit is advisable) other wise you will lose the 0% offer and they will start charging you the variable interest rate from the time you miss the payment or transfer over your limit.
There is no interest only payments from these kind of cards, unlike some mortgages' interest only deals, normally the minimum payment is between 1-3% a month of you monthly balance whether during the 31 month offer or after, the difference is that after the 31 month they will charge you the interest and will be added to your balance.
When the 31 month end, you'll be charged interest at their variable rate (currently 18.9%) which is , I believe, higher than your mortgage. So make sure you pay the balance in full by the end of the 31 month or guarantee that you can transfer the rest to another Money Transfer card provider at that time, otherwise I wouldn't advice you to do that as you will save on interest in the first 31 month but then you'll pay nearly 3 or 4 times more than your current mortgage rate, so not a good deal in this case.

Thanks for the reply. I've just realised the 4% fee would cost me more than any savings I'd make.
loop
4% fee is high. Other competitors charge 3%.
4% is for money transfer which means they send you cash to your bank to pay for your debts and this offer is the longest on the market, it also offer 2.89% fee 31 month 0% on balance transfer from other credit cards, don't get confused between money & balance transfer.
loop
4% fee is high. Other competitors charge 3%.

True, but 4% over 31 months will work out cheaper per year.
Amerviv
mooo
Can former customers reapply. I did have a platimum card with them but Im pretty sure it was more then 12 months ago since I closed the account with them
You can check your eligibility to see if you qualify first without affecting your credit rating, but be careful if they try to tempt you with other, but not as good, credit card. Good luck to you.

yeah I did they offer a 18 month deal instead.
I suspect its due to the fact I have been moving addresses alot for the past 3 years.


Edited By: mooo on Jun 05, 2014 08:08
mooo
Can former customers reapply. I did have a platimum card with them but Im pretty sure it was more then 12 months ago since I closed the account with them

Yes you can. You don't even need a new account. Ring them up and ask for the deal.
13Expired

Liverpool FC Rewards Credit Card Application @ MBNA £200.00

4
check this out. spend 200 quid and get a free home.shirt. includes balance transfer. Shared Via The HUKD App For Android.
frangirl29 Avatar2y, 6m agoFound 2 years, 6 months ago4 Comments
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lololol
Astec
As much as I hate Liverpoo (I'm a United supporter), gotta vote the deal hot...

Me too I need so toilet roll.
As much as I hate Liverpoo (I'm a United supporter), gotta vote the deal hot...
No slips involved with this deal.

Careful not to think it's a done deal then it all falls through at the last minute..
481Expired

The Best 0% Balance & Money Transfer Credit Card deals for Jan 2014 - MBNA, Lloyds, BoS, Barclaycard, Halifax, Tesco + £25 cashback

31
As we approach January, this is typically the time when most people will look to review their finances after a period of festive spending. Here is a list of current best credit card deals to help with…
Chanchi32 Avatar2y, 11m agoFound 2 years, 11 months ago31 Comments
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Edward_Nigma
Thanks for this Chanchi32, very useful as I'm looking to make a money transfer soon to buy a new car

No problem.

The post is a bit outdated now but MBNA still offer the best deal if you are after a money transfer.

If you are after a balance transfer the new Nationwide 0% for 26 months with a 0.75% fee is the best deal currently. Go via Moneyexpert for £25 cashback http://www.moneyexpert.com/credit-cards
Thanks for this Chanchi32, very useful as I'm looking to make a money transfer soon to buy a new car
Money Transfers
Transfer funds from your credit card account to your current account - enjoy 0% interest for 29 months from account opening (4% handling fee). This offer applies to money transfers made within the first 60 days.
how's the cash advance work then?
Hi been accepted for barclaycard, how do I get the cashback from money expert?Got an email saying I need to send a copy of the credit card letter. Was in my junk folder sounds dodgy to me!!!!
-236Expired

Manchester United Credit Card - 0% on transfers and money transfers for 20 months and 0% on purchases for 3 months

4
I know this won't be everyone's cup of tea as it is Manchester United but I thought this card through MBNA was a pretty good deal!! NO interest to pay on balance transfers and money transfers for…
Mashman1974 Avatar3y, 6m agoFound 3 years, 6 months ago4 Comments
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Got to love the comments - as opposed to voting on whether something is a deal people are voting cold due to it being Utd and adding comments relative to the club as opposed to the deal!!

Makes me wonder if I should have posted the same deal but linked to Chelsea card or other club cards offered by MBNA.

Utd had their moment of glory - which moment was this? Treble, double, multiple league winners......???

Thanks all though for the positive input.
SCUM!!!
Doubt the credit limit on these will be enough to buy Gareth Bale!
Not to worry. You had your moment of glory.
Maybe they should transfer their hundreds of millions of debt with Ocean Finance on to one of these?
-80Expired

Free Aston Villa Away shirt, if you sign up to a credit card and spend £200 in 90 days @ MBNA

7
This was on the Chelsea shirt previously now for a Villa Away shirt, Large size though. Free Shirt: Apply today for an Aston Villa Credit Card, and if you spend or balance transfer at least £200
VillaT007 Avatar4y, 3m agoFound 4 years, 3 months ago7 Comments
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This is a great deal for a Villa fan
Up the Villa :)
Good deal for a colour blind villa fan... Hot
No one has mentioned that this is a lime green shirt and pretty horrid. Great deal however given these are £50 in the shops.
It says they send you a large now.

Still a decent deal if a large top fits you and you don't mind wearing a villa top.

If it was my size I would sign up.
-242Expired

Free Chelsea Top when you £200 Spend on credit card within 90days...@ MBNA

6
Sign up for this credit card, spend £200 within 90 days and receive a free chelsea top! Just make sure you pay in full each month to avoid getting stung by interest rates!
gavcee Avatar4y, 3m agoFound 4 years, 3 months ago6 Comments
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I'd rather just go buy one for £40
wow....this is cold!
toonarmani
guv
Worst deal ever posted. 99.9% of the UK will be uninterested.

Doesn't make it a poor deal.

No different to store specific deals for example where no-one else can benefit.

I think you've misunderstood.

Worst deal ever AND 99.9% won't be interested. HTH.

Very chilly in here btw!
guv
Worst deal ever posted. 99.9% of the UK will be uninterested.

Doesn't make it a poor deal.

No different to store specific deals for example where no-one else can benefit.
Worst deal ever posted. 99.9% of the UK will be uninterested.
-117Expired

Free McAfee Online Banking Suite For 1 Year For MBNA Card Holders @ MBNA

8
(I hope it hasn't already been posted - couldn't find it when I did a search?) Please don't shoot me down now - I am probably not going to take advantage of this myself, as I already have free anti…
babyme Avatar5y, 9m agoFound 5 years, 9 months ago8 Comments
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I have to agree with the others, I put this on my quad core pc and it added about 1 minute to boot time. Put Avast back on now :@)
Sorry, it has to be cold, I would rather pay not to have this on my PC!
May as well install Norton while you're at it and throw your computer in the bin. Cold as cold can be.
Python5
Flippetyflop
Agreed, slows comps right down and causes more problems than it protects, go for AVG free!!! :3


avg is not much better :-) lol. try avast its pretty good


Agreed... AVG is as crap.. Avast and Kaspersky are probably the only 2 good anti viruses out there
Flippetyflop
Agreed, slows comps right down and causes more problems than it protects, go for AVG free!!! :3


avg is not much better :-) lol. try avast its pretty good
8Expired

Free Killzone 3 At 7,200 Beats For Sonycard Pulsebeats Collectors @ Pulsebook Sony Card

1
I know this wont apply to most people but i finally decided to spend some of my collected beats on my sonycard and noticed you can pre-order killzone 3 for only 7,200 beats. Thats 200 less than t…
freestyle Avatar5y, 9m agoFound 5 years, 9 months ago1 Comment
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-273Expired

Spend £200 on the MBNA Credit Card with 90 days, and get a free signed Man Utd Shirt

12
Apply today for the Manchester United Credit Card, spend £200 on your card in the first 90 days of the account opening and we'll send you a free Manchester United home shirt signed by a member of the
boza Avatar6y, 2m agoFound 6 years, 2 months ago12 Comments
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csiman
batistawhc
credit card = debt = evil. Nuff said!

only if you are inept at financial management

I take it you dont have a mortgage lol

/end
Why would i need one when i paid it outright? Point is, there are millions of people who get this credit card, and say "oh, its only one item, ill put it on" but pay it at the min amount. its an evil that nobody needs!
I dont understand why people say credit cards are evil, I get 1% of all purchases back as holiday vouchers on my card and have set up a Direct Debit to pay the card off in full each month so I dont get charged any interest.
I got the Spurs one a few years ago. Wasn't signed but all worked fine in terms of the offer. Plus you get points for using the card. As long as you pay it off every month its great as you get the added benefit of the security of buying with a card, plus you can use the points for free stuff, or in my case, free Spurs stuff. I presume its similar for the ManU version, but you can ge signed footballs and watch the first team train etc with the points.
batistawhc
credit card = debt = evil. Nuff said!

only if you are inept at financial management

I take it you dont have a mortgage lol

/end
credit card = debt = evil. Nuff said!
40Expired

Want a Loan under £5000? Get an MBNA "Rate for Life" Credit Card @ ~ 6% & Transfer Cash to your Current Account

21
This is more of a heads up after looking through an MSE article. If you need a loan for under £5000, you will have noticed that the rates range from between 12.9% and 18.7% - Quite expensive.
adambaz Avatar6y, 2m agoFound 6 years, 2 months ago21 Comments
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I have to say, when it comes to borrowing money, I do go out of my way to borrow as cheaply as possible. A point worth noting is that Virgin (run by MBNA) also allow you to transfer money to your current account, but they only charge a 4% fee. The amount you transfer then becomes 0% for the same period as your promotional 'purchases' offer, which in my case was 12 months. 4% for a 1 year loan is very cheap!!

I did this when I bought my last car, as it was much, much cheaper than taking out a loan, paying on a credit card, or using an overdraft, however you are obviously limited to whatever credit limit they give you. I was fortunate in that they gave me £6,500. Another thing worth noting is that Santander allows you to open a new credit card with them and balance transfer @ 0% if you have a current account with them. As far as I know they are the only people to offer a 0% balance transfer deal, so its worth opening a current account with them if you have some bigger debts to shift onto a 0% deal. They often have an offer where they give you £100 to switch current accounts and then 5% interest on balances of up to £2500 for 12 months. Although has to be said their customer service is pretty poor.

Either way, anyone looking to borrow money should think carefully and find the right deal that suits YOU. Its tough out there at the moment, so always best to do your homework before jumping into a costly credit agreement!
or if you are a homeowner with equity, then re-mortgage

2.5% interest rate at nationwide
quidco?
I can appreciate this thread actually is trying to save people money, but I guess that at least 1 person from HUKD will sign up to this that will end up in some sort of financial difficulty costing them a small fortune by the end.

I don't believe this site is a suitable forum for advertising financial products as it doesn't have the support to go behind it.
I'm sorry to vote cold, despite your best intentions.
In you opener you say compare against your dealers finance offer, in which case the tesco clubcard cc wins hands down. My dealer charged me 72 quid to use the tesco cc on a 5k car, not outrageous as I wont be paying any interest at all to borrow 5k for 13 months.


Fair.

After the 13 month interest free, you'll be able to balance transfer to another card for around 2%.

My comments regarding private sellers and the interest free cards attracting low credit limits both still stand though.

Plus, this is a good card for home improvements for example. I doubt many builders would accept credit cards.
268Expired

MBNA & virgin increased 0% balance transfers to 18 months & Barclaycard to 20 months!!!

27
MBNA and Virgin yesterday increased the 0% duration on its balance transfer Platinum card from 16 to 18 months! While Barclays raised the bar to 20 months!! Best deal ever on balance transfers!
TheRealMcLovin Avatar6y, 2m agoFound 6 years, 2 months ago27 Comments
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i applied for this card recently but got turned down because as they put it i did not have enough credit taken out
schizoboy
royals
HANDLING FEE MEANS ITS NOT 0% THEN!!!

THIS PRACTICE SHOULD BE OUTLAWED


Standard practice, never seen a CC without a % fee in transfers.


Got a fee free 0% from Santandar when setting up an alliance and Leicester current account back in Feb. Dunno if this is still available? (12 month 0%)
They will allow you to pay only £25 per month with £4000 transfer. Quite irresponsible!!
Mentos
schizoboy
royals
HANDLING FEE MEANS ITS NOT 0% THEN!!!

THIS PRACTICE SHOULD BE OUTLAWED


Standard practice, never seen a CC without a % fee in transfers.


I have had a couple in the past. However, haven't seen any for years now.

The previous poster is correct though, it isn't really 0% when you factor in the handling fee's. They should be forced to include the total cost in the headline figure as there is no way of avoiding the handling fee.


They can't include the total cost because it depends on how much you trasnfer. Thats why they give a % figure.
I think what he means is you cannot transfer the balance from say virgin to the new MBNA card to get 0%
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