Sainsbury's Bank Deals & Sales for March 2017 - HotUKDeals
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Sainsbury's Bank Deals & Discounts

18
-57

29 months Sainsbury's Bank Purchase Credit Card

1
£0.00 @ Sainsbury's Bank
This Sainsbury's* card offers the full 29 months. You'll also earn Nectar points on all spending, plus if you spend £250 in Sainsbury's withinin 40 days from account opening, you'll get 5,000 bonus Ne…
This Sainsbury's* card offers the full 29 months. You'll also earn Nectar points on all spending, plus if you spend £250 in Sainsbury's withinin 40 days from account opening, you'll get 5,000 bonus Ne…
Anon32 Avatar1w, 1d agoFound 1 week, 1 day ago1 Comment
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Why is this cold?
1316

0% for 28 Months Balance Transfer credit card with NO balance Transfer Fee - longest fee free Balance Transfer in the market @ Sainsbury's Bank

236
£0.00 @ Sainsbury's Bank
New deal giving the longest fee free balance transfer within the market - 0% for 28% months and no balance transfer fee. I will be making use of this and shifting a credit card balance. Previous be…
New deal giving the longest fee free balance transfer within the market - 0% for 28% months and no balance transfer fee. I will be making use of this and shifting a credit card balance. Previous be…
Chanchi32 Avatar3w, 4d agoFound 3 weeks, 4 days ago236 Comments
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morgie
My balance transfer fee was also credited to my account last week. It actually shows as the same day as it was taken. Hopefully this can put a few minds at rest.

finally applied this week just got to return the forms
My balance transfer fee was also credited to my account last week. It actually shows as the same day as it was taken. For some reason it was £3 short, but I called Customer Services and they were able to correct that.


Edited By: morgie on Mar 25, 2017 13:49
wellfed
CWobbles
Have most got an online confirmation straight away, that's what usually happens for me? My decision going to be by post or telephone within 5 working days....
I just had exactly the same message - did you have a positive outcome with this?
Yeah got the paperwork through but nowhere near the credit limit I wanted so only one transfer for me not the two I wanted. How folks are getting 12 grand must be very high earners?
morgie
Balance transfer completed ~5 days ago following automated fraud prevention call from them, PIN arrived yesterday and card today. Registered for online banking (here) and can of course see the transferred balance and fee. Set a reminder to check back in a couple of months that it's been refunded. I'm not as concerned as some on here about that being an issue, already spoke to them once on the phone, had a note added to my account and have screenshots etc. Whilst it's not 100% reassuring as a brand I trust I believe they'll do the right thing, even if it means be following up.
Edit - one thing I did notice in the online banking is it didn't look like my Direct Debit for the minimum payment had been setup. Nothing showing on my bank either. I called to ask Sainsburys if it was underway, but they said nothing on their system (sure I specified it when I applied). To be sure, I've set it up online today.
Great deal Chanchi - thank you.

I honestly don't think its too much to ask them to have the full offer in writing when I sign the paperwork.

I explained that if I sign the paperwork then I agree to all terms and conditions of the balance transfer as stated on the paperwork - which I didn't - as nowhere does it say "no fee for the balance transfer"

Notes on my account would not be worth anything - I would have signed paperwork that was different to what was offered to myself originally.

Dave
Balance transfer completed ~5 days ago following automated fraud prevention call from them, PIN arrived yesterday and card today. Registered for online banking (here) and can of course see the transferred balance and fee. Set a reminder to check back in a couple of months that it's been refunded. I'm not as concerned as some on here about that being an issue, already spoke to them once on the phone, had a note added to my account and have screenshots etc. Whilst it's not 100% reassuring as a brand I trust I believe they'll do the right thing, even if it means be following up.

Edit - one thing I did notice in the online banking is it didn't look like my Direct Debit for the minimum payment had been setup. Nothing showing on my bank either. I called to ask Sainsburys if it was underway, but they said nothing on their system (sure I specified it when I applied). To be sure, I've set it up online today.

Great deal Chanchi - thank you.



Edited By: morgie on Mar 18, 2017 10:39: .
323

Market Leading Longest 29Mths 0% on Purchases / 18Mths 0% on Balance Transfers on The Nectar Purchase Credit Card + 5000 bonus Nectar Points @ Sainsburys Bank

27
£0.00 @ Sainsbury's Bank
Sainsburys bank are currently offering The Nectar Purchase Credit Card which is the market leading longest on 0% on purchases and offers the following: 0% interest on purchases for your first 29 mo…
Sainsburys bank are currently offering The Nectar Purchase Credit Card which is the market leading longest on 0% on purchases and offers the following: 0% interest on purchases for your first 29 mo…
cliosport65 Avatar2m, 6d agoFound 2 months, 6 days ago27 Comments
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I didn't hear a thing from them until today. Applied 3 weeks ago. Sent me an agreement to sign. Only needed £5k for a transfer but they gave me £8k.
3 weeks from applying to getting PIN and card (which I think is on a longish side).
It comes without contactless feature which for some might be a positive factor.
For me however it is a negative point :(

Edited By: user777 on Feb 20, 2017 03:03
sainsburysbank.co.uk/cardsbonus1000

Will get you a fiver of points
i got the card its got a £5200 balance on it :) lets go shopping
thermomonkey
WillPS
jackvdbuk
jrawlins28
Dumb question, what's the minimum payment usually? And then do you have to pay that minium each month to keep the 0% interest?
Never had a credit card but thinking of getting one too build my credit rating..
​usually 2pc or so, there's a min payment DD u can set up so don't need to worry
Better to set a fixed price DD at a level £1 higher than the minimum payment, that way it wont be marked as promo/minpay on your credit record.
Not heard of this before?
I have been paying min amount on credit cards for the last 3.5 years, including doing a balance transfer to start a new one.... It hasn't affected my credit score.
Definitel
themadgoose
WillPS
jackvdbuk
jrawlins28
Dumb question, what's the minimum payment usually? And then do you have to pay that minium each month to keep the 0% interest?
Never had a credit card but thinking of getting one too build my credit rating..
​usually 2pc or so, there's a min payment DD u can set up so don't need to worry
Better to set a fixed price DD at a level £1 higher than the minimum payment, that way it wont be marked as promo/minpay on your credit record.
​is this correct? handy to know if so!
Definitely not true my credit score is 989 out of a possible 999 and ive been paying minimum payments for the last 6 to 7 years on credit cards
274

Sainsbury's Bank No Balance Transfer Fee Credit Card 25mths 0% lowest right now

23
£0.00 @ Sainsbury's Bank
This Sainsbury's Bank* card offers the joint longest-ever 0% period with no fee to shift your debt. Plus, if you're accepted for the card you'll definitely get the full 0% period. Need-to-knows
This Sainsbury's Bank* card offers the joint longest-ever 0% period with no fee to shift your debt. Plus, if you're accepted for the card you'll definitely get the full 0% period. Need-to-knows
chrisshein Avatar2m, 2w agoFound 2 months, 2 weeks ago23 Comments
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Got me card today, very slow service ! but cheap balance transfer. Transferred my grand aim to pay off by end of May then will cancel the account.

Thanks again Op, few quid saved there.
I sent the agreement back a week and a day ago, not heard anything yet.

How long has anyone else been waiting?

Thanks
Thanks, applied. Instant approval with £9k limit

Only got like £1k to transfer to it.... so should only take a few months to pay off... but even so! a few months saving of interest is better than nothing !!!!!!!!!

Edited By: unhappybunny on Jan 09, 2017 19:31
RedHot99
Just read above about mixing up purchases and balance transfers and I now think I might have made a mistake with my new Halifax credit card. Can anyone help me please by answering this?
Balance transfer was interest free for 32 months and purchases were interest free for 12 months.
I balance transferred £2000 to the Halifax card and made a purchase of £100. I am currently paying the 1% minimum payment each month by Direct Debit. In 12 months time I will have paid off roughly £240 of the total balance but will I then be charged interest for the remaining 22 months? Have I messed up?

The £100 will need to be paid in addition to your minimum payment once the initial 12 months has expired or interest will start accumulating . Give Halifax a ring and ask them to confirm though to be sure , it'll be in their Terms and Conditions ;)
Just read above about mixing up purchases and balance transfers and I now think I might have made a mistake with my new Halifax credit card. Can anyone help me please by answering this?

Balance transfer was interest free for 32 months and purchases were interest free for 12 months.

I balance transferred £2000 to the Halifax card and made a purchase of £100. I am currently paying the 1% minimum payment each month by Direct Debit. In 12 months time I will have paid off roughly £240 of the total balance but will I then be charged interest for the remaining 22 months? Have I messed up?
370

LOWEST EVER Loan Rate of 2.8% APR @ Sainsbury's £280.00

46
£280.00 @ Sainsbury's Bank
Cost shown is interest paid on a £10k loan over 1 year Sainsbury's are offering 2.8% on loans of between £7500 and £20000. Max 3 year term and must have a Nectar Card (though these are free to g…
Cost shown is interest paid on a £10k loan over 1 year Sainsbury's are offering 2.8% on loans of between £7500 and £20000. Max 3 year term and must have a Nectar Card (though these are free to g…
samspud Avatar2m, 3w agoFound 2 months, 3 weeks ago46 Comments
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samspud
cliosport65
also this is 2.9% not 2.8% ;)


It is ;)

Read the description properly


​was only looking for 7500 thats why X)
cliosport65
also this is 2.9% not 2.8% ;)


It is ;)

Read the description properly
also this is 2.9% not 2.8% ;)
Dellsy
Going to give them a call. Paperwork arrived today with 6.4% Apr. Don't think so!!!


​Did you not get an instant decision?
Dellsy
Going to give them a call. Paperwork arrived today with 6.4% Apr. Don't think so!!!


Lol - try TSB?
-183Expired

5,000 bonus Nectar points for new customers - when you spend £800 @ Sainsbury's instore or at petrol stations

6
£0.00 @ Sainsbury's Bank
The £800 has to be spent in the first 3 months at Sainsbury's store or Petrol stations. 5,000 bonus Nectar points for new customers - worth at least £25... more if you double up or use other specia…
The £800 has to be spent in the first 3 months at Sainsbury's store or Petrol stations. 5,000 bonus Nectar points for new customers - worth at least £25... more if you double up or use other specia…
cinimodee Avatar5m, 19h agoFound 5 months, 19 hours ago6 Comments
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Agreed, but Amex acceptance is much better than it used to be and you can always stock up on gift cards in store to use another time..

Now that is a great 'hack' - will bear that in mind, once I have done my 3 months on the interest-free card...
cinimodee
hornets
20,000 extra Nectar points on top of the 'standard' 20,000 when applying for the Nectar Amex credit card via the Nectar app. Must spend £2,000 within 3 months to get both sets of points.
40,000 points = at least £200 worth of Nectar points, maybe more...
Now that does sound like a very good offer - only problem is spending on Amex is sometimes quite difficult - though if you find places that you can pay with Paypal, you can link your amex card...
Agreed, but Amex acceptance is much better than it used to be and you can always stock up on gift cards in store to use another time..
dlloyd1980
£3 worth of nectar points per £100 is that good ?
Given that you usually get 1 point per £2 spend at Sainsbury's, so for spending £800 you would get 400 points, yes that is good... the nectar rebate % is not great, but if you are after a LONG interest-free period with some kick back - it is a pretty good card.
hornets
20,000 extra Nectar points on top of the 'standard' 20,000 when applying for the Nectar Amex credit card via the Nectar app. Must spend £2,000 within 3 months to get both sets of points.
40,000 points = at least £200 worth of Nectar points, maybe more...
Now that does sound like a very good offer - only problem is spending on Amex is sometimes quite difficult - though if you find places that you can pay with Paypal, you can link your amex card...
20,000 extra Nectar points on top of the 'standard' 20,000 when applying for the Nectar Amex credit card via the Nectar app. Must spend £2,000 within 3 months to get both sets of points.

40,000 points = at least £200 worth of Nectar points, maybe more...
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Failed
259Expired

42 months interest free balance tranfers on a CC @ sainsburys bank (Nectar card bonus)

16
£0.00 @ Sainsbury's Bank
Want a credit card with interest free transfer for a long period of time?.... look no further! Only a 4% fee for transfer then a long 3 and a half years interest free! Also 3 months interest
Want a credit card with interest free transfer for a long period of time?.... look no further! Only a 4% fee for transfer then a long 3 and a half years interest free! Also 3 months interest
Danjw91 Avatar5m, 1w agoFound 5 months, 1 week ago16 Comments
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What kind of card are you more likely to be accepted for? A balance transfer one or a 12/24 month interest free one?
great!! cheers!!
MrGamer123
Thanks guys, ill take a look at interest free credit cards. As you can tell I have never got a credit card in my life :D so this will be my first and last hopefully.

The ironic thing is you may struggle to get a card like this if you have never had a credit card before. Credit card companies like to see a history of you being in debt and paying what is due on time each month.
MrGamer123
Thanks guys, ill take a look at interest free credit cards. As you can tell I have never got a credit card in my life :D so this will be my first and last hopefully.


You'll probably struggle to get an interest free card if you've never had one before. By all means give it a go though.
Thanks guys, ill take a look at interest free credit cards. As you can tell I have never got a credit card in my life :D so this will be my first and last hopefully.
-181

iPhone 7 from £22.19pm , S7 Edge £22.19pm or any other phone on 27month Interest-Free Credit plus up to 5000 Nectar points @ Sainsburys £599.00

13
£599.00 @ Sainsbury's Bank
iPhone deals all get voted COLD so I expect a backlash and minus-hundreds, but here is the best deal I could find for any sim-free top-end smartphone (Apple, Android, Windows etc). To obtain 27mont…
iPhone deals all get voted COLD so I expect a backlash and minus-hundreds, but here is the best deal I could find for any sim-free top-end smartphone (Apple, Android, Windows etc). To obtain 27mont…
Orville Avatar5m, 2w agoFound 5 months, 2 weeks ago13 Comments
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Spasho
You seem to know a lot about it and if I knew someone who'd want an iPhone 7 I would redirect them to this post. However, for myself I'd never spend more than £150+ on a smartphone.
I cannot argue with this. £600+ buys a very nice TV, cooker or washing machine. Spending so much on a phone which will outdate itself within one year can seem crazy in comparison.
Orville
snoopy18
Yes, but your link requires an upfront deposit, has a shorter payement term, requires additional Apple Care purchase (if made online) and does not provide free points. It is also Store specific (not all provide 0%) and requires a credit agreement / credit check via Barclays Finance.
This appears the cheapest way to buy a new iPhone 7 without any additional fees or upfront deposit. Can anyone else locate one for less than £22.19pm?
I assume people are voting cold mostly becuase "Apple" is witin the title, rather than because there is a cheaper or better option available. Perhaps people do not want to apply for another credit card, but it is essentially the same as entering a monthly phone contract or purchase plan via Apple or similar stores. 80% of new phone purchases are paid via monthly contract anyway.
*So far 38 hot voters and considerably more cold voters. I am happy some are finding it helpful.
You seem to know a lot about it and if I knew someone who'd want an iPhone 7 I would redirect them to this post. However, for myself I'd never spend more than £150+ on a smartphone.
Has anyone spotted a cheaper iPhone 7 purchase plan than this, or is it merely predudice / hatred of Apple causing the cold votes? Please feel free to post better offers.
snoopy18
Yes, but your link requires an upfront deposit, has a shorter payement term, requires additional Apple Care purchase (if made online) and does not provide free points. It is also Store specific (not all provide 0%) and requires a credit agreement / credit check via Barclays Finance.

This appears the cheapest way to buy a new iPhone 7 without any additional fees or upfront deposit. Can anyone else locate one for less than £22.19pm?

I assume people are voting cold mostly becuase "Apple" is witin the title, rather than because there is a cheaper or better option available. Perhaps people do not want to apply for another credit card, but it is essentially the same as entering a monthly phone contract or purchase plan via Apple or similar stores. 80% of new phone purchases are paid via monthly contract anyway.


*So far 38 hot voters and considerably more cold voters. I am happy some are finding it helpful.



Edited By: Orville on Oct 05, 2016 11:38: add info
There are free payment plans already with apple http://www.moneysavingexpert.com/news/phones/2016/09/iphone-7-interest-free-loan


Edited By: snoopy18 on Oct 05, 2016 08:25: Spelling
-44

£25 of Nectar vouchers with Sainsburys Credit card - spend £800 in first 3 months (new sign-ups only)

3
£0.00 @ Sainsbury's Bank
Anyone new signing up to Sainsburys Credit Card before 27th sept and spending £800 in the first three months will get 5k of Nectar points worth £25. Seems a good deal if you use if for big purchase…
Anyone new signing up to Sainsburys Credit Card before 27th sept and spending £800 in the first three months will get 5k of Nectar points worth £25. Seems a good deal if you use if for big purchase…
CharlesHorse Avatar6m, 4w agoFound 6 months, 4 weeks ago3 Comments
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For those who collect nectar points - you get them on all spends - not sure on how many tho.
Heat... may look into this, hardly get anything on my Tesco credit card now, and with the Boost ending I may find more use from Nectar anyway. Thanks for the heads up :)

EDIT:
If you apply by 27th September 2016, as a new customer, you'll qualify for an 5,000 extra Nectar points when you use our credit card to spend £800 on Sainsbury's shopping or fuel in the first 3 months

Edited By: m.ad on Aug 25, 2016 22:51: Small print
looks like this on
es been a bit too complex judging by the neg votes, but I hope it has helped a few who know how to 'play the cards right'. As for the negative voters....stick to your video games and I'm sorry its not a PS4 deal
95

Sainsburys purchase credit card 0% on purchases for 27 months

1
£0.00 @ Sainsbury's Bank
As it says on the tin. 0% on purchases for 27 months plus nectar points
As it says on the tin. 0% on purchases for 27 months plus nectar points
jaques_kalis Avatar8m, 3w agoFound 8 months, 3 weeks ago1 Comment
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hi. can someone pls say how good a deal this is. thanks.
73

Long Balance Transfer Credit Card 40 Months 0% transfer @ Sainburys

0
£0.00 @ Sainsbury's Bank
Benefits Pay 0% interest on balance transfers for your first 40 months. Apply by 27th July 2016 If you don't have a Nectar card a reduced balance transfer fee of 2.89% applies on transfers…
Benefits Pay 0% interest on balance transfers for your first 40 months. Apply by 27th July 2016 If you don't have a Nectar card a reduced balance transfer fee of 2.89% applies on transfers…
busfan001 Avatar9m, 2d agoFound 9 months, 2 days agoAdd Comment
-57

Sainsbury's Nectar Purchase Credit Card

1
£0.00 @ Sainsbury's Bank
Pay 0% interest on purchases for your first 25 months Pay 0% interest on balance transfers for your first 18 months (3% balance transfer fee applies. Minimum £3) No annual fee 18.9% APR Rewards
Pay 0% interest on purchases for your first 25 months Pay 0% interest on balance transfers for your first 18 months (3% balance transfer fee applies. Minimum £3) No annual fee 18.9% APR Rewards
Diamond_Studd Avatar1y, 4m agoFound 1 year, 4 months ago1 Comment
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Sainsburys bank are complete and total muppets. my experience I know, but would never ever use them again!
68

Sainsburys loans Price Promise.. for Nationwide Customers apr 2.8% loan

4
£0.00 @ Sainsbury's Bank
This is a bit long winded but if you are a Nectar card holder and apply for a loan between £7500 & £15000 over a maximum of 3 years you will/may get the special rate of 3.4%. brilliant rate. (3.5% if
This is a bit long winded but if you are a Nectar card holder and apply for a loan between £7500 & £15000 over a maximum of 3 years you will/may get the special rate of 3.4%. brilliant rate. (3.5% if
polg Avatar1y, 4m agoFound 1 year, 4 months ago4 Comments
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Being honest I've got accepted for the loan from Sainsburys, when the forms come out to be signed you go see Nationwide after a bit of Googling its best to go in shop rather than over the phone as the decision is quicker..
I know Sainsburys won't have the money in the bank till 4/5 days after I return the form..
From memory the last loan i got with Nationwide was in the bank the next day..
so although it's possible to achieve 2.8% - paying for parts for my builder may have a huge influence on whether I go back to Sainsburys or just accept Nationwide.. and phone Sainsburys and cancel..
as there's not a huge saving over 2.9 and 2.8 %....
Also there's something in my mind that is saying Nationwide perform a soft search so not the same impact on credit report..

Edited By: polg on Nov 04, 2015 23:18
Am a Nationwide customer and think this is great.Looking to turn garage into bedroom £140 will pay towards flooring.:)
I have nectar card and I am a nationwide customer but it is too much hasstle to save just £142 over 3 years
I am a Nationwide customer. Is the discount automatic or would I have to ring them / fill out a physical form? Amazing offer - heat added.
298

Sainsbury's loan 3.6% APR representative on loans between £7,500.00 - £15000

55
£7500.00 @ Sainsbury's Bank
Just looking round at loans and the best deal out there ATM on loans from what I can find :) Online Rate Sale - Offer ends 10am Friday 26th June 2015. 3.6% APR representative* - £7,500 to £15,0…
Just looking round at loans and the best deal out there ATM on loans from what I can find :) Online Rate Sale - Offer ends 10am Friday 26th June 2015. 3.6% APR representative* - £7,500 to £15,0…
pennyfarthing88 Avatar1y, 9m agoFound 1 year, 9 months ago55 Comments
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I have excellent credit rating, living for 4 years at the same place, I haven't been in a late for any repayment... And they offered to me around 8%, instead if 3.5%. So I didn't accept
SalfordCityRed
gazter
SalfordCityRed
gazter
SalfordCityRed
gazter
SalfordCityRed
Tommy_K
SalfordCityRed
Tommy_K
SalfordCityRed
Buy a cheaper car! £32,295? How utterly ridiculous, no wonder the World is drowning in debt!
I believe it's up to the individual on what they wish to spend their loan on. Plus if people didn't take out loans to buy such expensive treats, then the manufacture couldn't employee people to make them and businesses wouldn't invest money for banks to then lend out and given the investor a return on their money.
it's just one big cycle of moving money about to make the people with money richer, and those without the ability to spend like they do!!!
Tommy K, you my friend, are a complete and utter tool! Your logic is totally warped... Let's all stay in debt to keep the rich, rich...
I do take offense in being called a tool thank you..
Ok, sod it, lets never buy anything ever again on credit. No Mortgage, No loans, No credit cards, No HP, No Finance. We work until we have saved up enough to buy everything outright.
I'm sure your parents love you staying at home because you wont get a mortgage ;-)
You can't rent either, because that's like a car lease, paying for something you will never own. :-)
I own my own house bought from savings,, however my parents would never have kicked me out to become a debt ridden buffoon like yourself! Again, you've read into the propaganda that you must flee the nest and rent as soon as possible, you really are brainwashed!
You're saying that the UK being the most debt ridden country in the World per population is a good thing? Why, as it keeps foreign companies, bankers and Jews rich? Really, that's good to you, being a slave to debt's a good thing?
What planet are you on?
Did you really just go there??
Did I really go where??
You said:
"Why, as it keeps foreign companies, bankers and Jews rich? "
Sorry, is that not allowed, what do you mean?
Its not whether it is allowed or disallowed (though I would suggest if the site moderators spotted it they would remove it), it's just not really a part of polite civil discussion.
You realise that much of the Anti Semitism in communist and fascist thought comes from the argument that Jews are seen as international financiers who get rich from usury, and keep this wealth within their rich international friends? Marx believed that Jews had no God except money, and worshipped it, and the Nazis believed that the Jews acted in a parasitic way using finance to suck wealth out of a nation state, a society which they held no allegiance to, and spend that wealth elsewhere.
Gazter, I'm baffled by your conflicting sentiments... What's the point you're trying to make?

A lot of evil in the 20th century has come about by apportioning blame to rich international Jews sucking up your resources by money lending.
gazter
SalfordCityRed
gazter
SalfordCityRed
gazter
SalfordCityRed
Tommy_K
SalfordCityRed
Tommy_K
SalfordCityRed
Buy a cheaper car! £32,295? How utterly ridiculous, no wonder the World is drowning in debt!
I believe it's up to the individual on what they wish to spend their loan on. Plus if people didn't take out loans to buy such expensive treats, then the manufacture couldn't employee people to make them and businesses wouldn't invest money for banks to then lend out and given the investor a return on their money.
it's just one big cycle of moving money about to make the people with money richer, and those without the ability to spend like they do!!!
Tommy K, you my friend, are a complete and utter tool! Your logic is totally warped... Let's all stay in debt to keep the rich, rich...
I do take offense in being called a tool thank you..
Ok, sod it, lets never buy anything ever again on credit. No Mortgage, No loans, No credit cards, No HP, No Finance. We work until we have saved up enough to buy everything outright.
I'm sure your parents love you staying at home because you wont get a mortgage ;-)
You can't rent either, because that's like a car lease, paying for something you will never own. :-)
I own my own house bought from savings,, however my parents would never have kicked me out to become a debt ridden buffoon like yourself! Again, you've read into the propaganda that you must flee the nest and rent as soon as possible, you really are brainwashed!
You're saying that the UK being the most debt ridden country in the World per population is a good thing? Why, as it keeps foreign companies, bankers and Jews rich? Really, that's good to you, being a slave to debt's a good thing?
What planet are you on?
Did you really just go there??
Did I really go where??
You said:
"Why, as it keeps foreign companies, bankers and Jews rich? "
Sorry, is that not allowed, what do you mean?
Its not whether it is allowed or disallowed (though I would suggest if the site moderators spotted it they would remove it), it's just not really a part of polite civil discussion.
You realise that much of the Anti Semitism in communist and fascist thought comes from the argument that Jews are seen as international financiers who get rich from usury, and keep this wealth within their rich international friends? Marx believed that Jews had no God except money, and worshipped it, and the Nazis believed that the Jews acted in a parasitic way using finance to suck wealth out of a nation state, a society which they held no allegiance to, and spend that wealth elsewhere.
Gazter, I'm baffled by your conflicting sentiments... What's the point you're trying to make?
SalfordCityRed
gazter
SalfordCityRed
gazter
SalfordCityRed
Tommy_K
SalfordCityRed
Tommy_K
SalfordCityRed
Buy a cheaper car! £32,295? How utterly ridiculous, no wonder the World is drowning in debt!
I believe it's up to the individual on what they wish to spend their loan on. Plus if people didn't take out loans to buy such expensive treats, then the manufacture couldn't employee people to make them and businesses wouldn't invest money for banks to then lend out and given the investor a return on their money.
it's just one big cycle of moving money about to make the people with money richer, and those without the ability to spend like they do!!!
Tommy K, you my friend, are a complete and utter tool! Your logic is totally warped... Let's all stay in debt to keep the rich, rich...
I do take offense in being called a tool thank you..
Ok, sod it, lets never buy anything ever again on credit. No Mortgage, No loans, No credit cards, No HP, No Finance. We work until we have saved up enough to buy everything outright.
I'm sure your parents love you staying at home because you wont get a mortgage ;-)
You can't rent either, because that's like a car lease, paying for something you will never own. :-)
I own my own house bought from savings,, however my parents would never have kicked me out to become a debt ridden buffoon like yourself! Again, you've read into the propaganda that you must flee the nest and rent as soon as possible, you really are brainwashed!
You're saying that the UK being the most debt ridden country in the World per population is a good thing? Why, as it keeps foreign companies, bankers and Jews rich? Really, that's good to you, being a slave to debt's a good thing?
What planet are you on?
Did you really just go there??
Did I really go where??
You said:
"Why, as it keeps foreign companies, bankers and Jews rich? "
Sorry, is that not allowed, what do you mean?

Its not whether it is allowed or disallowed (though I would suggest if the site moderators spotted it they would remove it), it's just not really a part of polite civil discussion.

You realise that much of the Anti Semitism in communist and fascist thought comes from the argument that Jews are seen as international financiers who get rich from usury, and keep this wealth within their rich international friends? Marx believed that Jews had no God except money, and worshipped it, and the Nazis believed that the Jews acted in a parasitic way using finance to suck wealth out of a nation state, a society which they held no allegiance to, and spend that wealth elsewhere.
gazter
oddballjamie
gazter
SalfordCityRed
Tommy_K
SalfordCityRed
Tommy_K
SalfordCityRed
Buy a cheaper car! £32,295? How utterly ridiculous, no wonder the World is drowning in debt!
I believe it's up to the individual on what they wish to spend their loan on. Plus if people didn't take out loans to buy such expensive treats, then the manufacture couldn't employee people to make them and businesses wouldn't invest money for banks to then lend out and given the investor a return on their money.
it's just one big cycle of moving money about to make the people with money richer, and those without the ability to spend like they do!!!
Tommy K, you my friend, are a complete and utter tool! Your logic is totally warped... Let's all stay in debt to keep the rich, rich...
I do take offense in being called a tool thank you..
Ok, sod it, lets never buy anything ever again on credit. No Mortgage, No loans, No credit cards, No HP, No Finance. We work until we have saved up enough to buy everything outright.
I'm sure your parents love you staying at home because you wont get a mortgage ;-)
You can't rent either, because that's like a car lease, paying for something you will never own. :-)
I own my own house bought from savings,, however my parents would never have kicked me out to become a debt ridden buffoon like yourself! Again, you've read into the propaganda that you must flee the nest and rent as soon as possible, you really are brainwashed!
You're saying that the UK being the most debt ridden country in the World per population is a good thing? Why, as it keeps foreign companies, bankers and Jews rich? Really, that's good to you, being a slave to debt's a good thing?
What planet are you on?
Did you really just go there??
Reminds me of a certain mustached man.
Burt Reynolds?
http://memecrunch.com/meme/15ZD2/borat-1/image.png
43Expired

Sainsbury’s Travel Insurance announces Half Price Sale

7
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23 March 2015 Sainsbury’s Travel Insurance announces Half Price Sale Sainsbury’s Travel Insurance announces a half price sale on single trip travel insurance policies purchased online between 23rd M…
23 March 2015 Sainsbury’s Travel Insurance announces Half Price Sale Sainsbury’s Travel Insurance announces a half price sale on single trip travel insurance policies purchased online between 23rd M…
jodie1234 Avatar2y, 3d agoFound 2 years, 3 days ago7 Comments
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I've got a policy cover confirmation - but don't see the names of my family in the email. How can I get a confirmation of the names (which I might need for the visa)? Help!
£6.10 for 2 x adults and infant to travel to Europe! Wow!
Got one for family, thanks for making us aware about this policy in the market...
got covered for a week in june in spain £16.00 total for me and wife. thank you
Comment
shirley999
Sounds misleading to me. If 45% off is 'standard' then to me that is the normal price and they are offering less than 10% discount with this code.
note also "Discount does not apply to the part of the premium you pay to cover any pre-existing medical conditions."
35Expired

Sainsbury's Nectar Bonus Credit Card 8 Nectar Points per £1 for the first 3 Months

1
£0.00 @ Sainsbury's Bank
Collect 8 Nectar points per £1 spent on Sainsbury's shopping & fuel for your first 3 months Offer Finishes 29th December 2014 Our Sainsbury's Nectar Bonus Credit Card lets you collect more Necta…
Collect 8 Nectar points per £1 spent on Sainsbury's shopping & fuel for your first 3 months Offer Finishes 29th December 2014 Our Sainsbury's Nectar Bonus Credit Card lets you collect more Necta…
Diamond_Studd Avatar2y, 3m agoFound 2 years, 3 months ago1 Comment
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By the time I get the card, all the spending craze will be over!
401Expired

Sainsbury's Nectar 0% Balance Transfer Credit Card 33 Months + Nectar ponts @ Sainsburys

24
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Just saw this while shopping in Sainsburys and saw its longest 0% balance transfer ive seen it just shy of 3 years there is a 2.89% fee for first 3 months for transfers then 3% after Our Sainsbury'…
Just saw this while shopping in Sainsburys and saw its longest 0% balance transfer ive seen it just shy of 3 years there is a 2.89% fee for first 3 months for transfers then 3% after Our Sainsbury'…
rocko5000 Avatar2y, 5m agoFound 2 years, 5 months ago24 Comments
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Bear this in mind if you are applying just to use this in Sainsbury's in the long term. From 11 April 2015, Sainsbury's are changing the way you earn Nectar points, so you'll earn 1 point for every £1* you spend in store and online at Sainsbury's. You'll also no longer receive 1 Nectar point for every bag you reuse in store.
BenderRodriguez

Years of hassle for a bit of interest below inflation level.. Complete waste of time and potential of that money.

I agree.
About 10 yrs ago, we had interest on savings of over 4% (for ISAs).
We could then pocket the diffference using the credit card balance transfer.

These days however, if savings accounts rates so low, it's a lot of work for little gain.
****$ have declined me what do you need a £50,000 income or something
jezzery
BenderRodriguez
vns146
Heat, but it depends on the maximum balance you get and the minimum fee you pay for successful stoozing

Years of hassle for a bit of interest below inflation level.. Complete waste of time and potential of that money.

Yes not worth it for a savings account but worth it if you are paying 6% on a mortgage like the one account where you can reduce your mortgage amount. Minimum payment is £5 so even better.

Didn't think of that, but probably won't work for 1st time buyers, most banks won't be happy with using CC for deposit? Unless I'm wrong on that, pls correct me if so.
Heat added! :D
563Expired

Lowest rate ever for a loan Sainsbury loan at only 3.9 % for between £7500 and £15000

119
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Lowest rate for a loan. This is for 3 years or less or 4.0 % for above this. Great if you need money for new car or home improvements. If your rate does change. They will also price promise and beat a…
Lowest rate for a loan. This is for 3 years or less or 4.0 % for above this. Great if you need money for new car or home improvements. If your rate does change. They will also price promise and beat a…
iamgds Avatar2y, 8m agoFound 2 years, 8 months ago119 Comments
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well said. there is good and bad debt.
valerydarcy
@splender Plenty of people and vast majority of institutions who borrow money dont do so because they have no choice- most have the money/means already but understand the value of cheap credit. Debt forms a part of most peoples/companies portfolios for a good reason. Youre referring to the type of people that take out a wonga loan to pay for their sky sports subscription. Suggest you take a basic finance and economics course before spouting your load on a subject you clearly know very little about.
HarpoonJoe
Vatman95
There are two types of people in this world i.e. borrowers (punters) and savers (bookies).
Exactly, and for the former this is a good deal, and for the latter this product is irrelevent so doesn't really warrant any negative comments from "savers". It's like casual cyclist arguing the need for carbon fibre road bikes, or complainging about wasting money on lease deals on a new Mercedes. After all nobody needs The Last of Us or Bioshock, and how many need a cheap flight to Amsterdam or a Chromecast? but you don't get savers sticking their noses in there saying how much cheaper it is to go without but that's exactly what the've been evangelising here.

If a product is designed for a different type of customer then why comment, surely those views are redundant? It would be like complaining that Apple Care is a rip off despite not having a mac! People could do well to remember that this site is not about finding the optimum way of leading their life according to someone else's moral code, it's about getting the things you want and/or need for less. It's a deals site not a money saving's one.


Well said
Vatman95
There are two types of people in this world i.e. borrowers (punters) and savers (bookies).
Exactly, and for the former this is a good deal, and for the latter this product is irrelevent so doesn't really warrant any negative comments from "savers". It's like casual cyclist arguing the need for carbon fibre road bikes, or complainging about wasting money on lease deals on a new Mercedes. After all nobody needs The Last of Us or Bioshock, and how many need a cheap flight to Amsterdam or a Chromecast? but you don't get savers sticking their noses in there saying how much cheaper it is to go without but that's exactly what the've been evangelising here.

If a product is designed for a different type of customer then why comment, surely those views are redundant? It would be like complaining that Apple Care is a rip off despite not having a mac! People could do well to remember that this site is not about finding the optimum way of leading their life according to someone else's moral code, it's about getting the things you want and/or need for less. It's a deals site not a money saving's one.

Edited By: HarpoonJoe on Jul 14, 2014 09:33: typo
DAZZ2000
joewall33
DAZZ2000
joewall33
DAZZ2000
joewall33
splender
Kingsworth
splender
OP, extremely bad examples: one does not need money for new car or home improvements. If one cannot afford with cash then one cannot afford it.

Oh it's this comment again...

You really need to get with the times. Loan deals like this are fantastic and good for both parties involved (The borrow & lender). As long as it's done responsibly and at an affordable, fair rate than there's absolutely no problem with borrowing money. Hardly anyone would own a house if they had the same nonsensical opinion as you.
Read my comment #1 again, my comment was against OP's comment on examples of spend on a new car and home improvements as bad examples to use a loan for. The OP's examples did not state a house. A house is a worthy cause for a mortgage. I was in topic about OP's deal. The OP's deal product was for an unsecured loan of 3 years. Good luck if you can get a house for unsecured loan of £15,000 repaid in 3 years.

To be fair mate I think everyone Mis-read your comment.

Too many people think a forum comments section HAS to mean war of words.

If you share an opinion that someone doesn't agree with get ready for unnecessary backlash, oh and always remember the comment that gets the most likes has the most soilders added to his war of words.



There wasn't anything to misread. Splender was most certainly telling everyone what they should and shouldn't do when it comes to loans. Do you really think the rest of us on a deals site need advice on when they should or shouldn't take out a loan?

Perhaps it might have been better received on the money saving expert forum, if at all. I certainly haven't learnt anything new from Splender. If you have Joe then fair play, he reached the intended audience I guess.

Slight irony in your post, are you not a soldier in disguise ? :p

No you're prime example of what my post mentioned.

A guy shares his thoughts (to help people not get into debt for no good reason) and your reply attempts to insult me.

Way to go bro!

(Not getting into a keyboard fight so it's pointless to reply)

If you're insulted by my last post I can only assume you either read too much into my response or are a little sensitive. The last comment I ended with was in jest, hence the " :p ". Either way I apologise if I offended.

I still stand though that what Splender said (not what you said) was a little condescending towards others who can, I'm sure, ask for advice if they want it.
"I certainly haven't learnt anything new from Splender. If you have Joe then fair play, he reached the intended audience I guess"

Its cool mate, no worries. :)

Ah ok, yes okay that was in fairness an unnecessary comment mate, sorry.

Cool man, No worries. :D
424Expired

Lowest rate ever for a loan Sainsbury loan at only 3.9 % for between £7500 and £15000

41
£0.00 @ Sainsbury's Bank
Lowest rate for a loan. This is for 3 years or less or 4.0 % for above this. Great if you need money for new car or home improvements. If your rate does change. They will also price promise and beat a…
Lowest rate for a loan. This is for 3 years or less or 4.0 % for above this. Great if you need money for new car or home improvements. If your rate does change. They will also price promise and beat a…
iamgds Avatar2y, 9m agoFound 2 years, 9 months ago41 Comments
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callum9999
spurious
How can getting into debt be considered a 'deal'?

Because you're getting into less debt than you would elsewhere...

A less worse non-deal than other non-deals does not a deal make.
Blueandy99
xp3200
Only a very small amount of people will get this rate you have to have a fantastic history, They advertise one thing you get the paper work and its another :(

51% get the rate, it's the law Guv

lol yeah im going to win the lottery tonight, There are plenty of other laws that are not upheld what makes you think this is any different.
xbecky07x
When u apply for it do u need to provide proof in to what u are using it for eg recipiet for car ect x
no
When u apply for it do u need to provide proof in to what u are using it for eg recipiet for car ect x
upset brown pant
amsieg
Get partner to take out loan..

Then put down as a deposit on a io mortgage for a 100k house.

Then rent out house for 600 a month. Earn 200 at no cost to self..

err, loan repayment on 10k over 5 years would be about 200 and the 90k mortgage about 500, so unless you are planning on ripping your partner off you you'll be putting money in until the rent you can command rises.

plus for 100k it will be in some grim northern hole. I doubt you'd get a 7% yield tbh.

Poor kids upset and browned his pants.
32Expired

Lowest balance transfer fee in the market: 0% for 12 months - 0.5% fee @ Sainsbury's Finance

5
£0.00 @ Sainsbury's Bank
0% on balance transfers for the first 12 months from account opening (0.5% (minimum £3) balance transfer fee during the first 3 months from account opening, then 3% onwards) * 0% on purchases for…
0% on balance transfers for the first 12 months from account opening (0.5% (minimum £3) balance transfer fee during the first 3 months from account opening, then 3% onwards) * 0% on purchases for…
kneale81 Avatar2y, 10m agoFound 2 years, 10 months ago5 Comments
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kneale81
Chanchi32
kneale81
Chanchi32
Hot - free meerkat if you go via comaprethemarket

£10 fee for borrowing £2k at 0% for 1 year - why is this not hotter!

It's a HUKD mystery :{

Yep it's a mystery

People liking the Tesco deals today kneale, currently occupying the top 4 hottest deals of the day :)

Ugh, I haven't even had a change to go on Tesco's site today.

All four deals are yours, too! That must be a HUKD first, congrats ;)

thanks, it may well be :)
Chanchi32
kneale81
Chanchi32
Hot - free meerkat if you go via comaprethemarket

£10 fee for borrowing £2k at 0% for 1 year - why is this not hotter!

It's a HUKD mystery :{

Yep it's a mystery

People liking the Tesco deals today kneale, currently occupying the top 4 hottest deals of the day :)

Ugh, I haven't even had a change to go on Tesco's site today.

All four deals are yours, too! That must be a HUKD first, congrats ;)
kneale81
Chanchi32
Hot - free meerkat if you go via comaprethemarket

£10 fee for borrowing £2k at 0% for 1 year - why is this not hotter!

It's a HUKD mystery :{

Yep it's a mystery

People liking the Tesco deals today kneale, currently occupying the top 4 hottest deals of the day :)
Chanchi32
Hot - free meerkat if you go via comaprethemarket

£10 fee for borrowing £2k at 0% for 1 year - why is this not hotter!

It's a HUKD mystery :{
Hot - free meerkat if you go via comaprethemarket

£10 fee for borrowing £2k at 0% for 1 year - why is this not hotter!

Edited By: Chanchi32 on May 22, 2014 21:20