0% for 26 months on balance transfers with Balance Transfer Credit Card ( 0.4% fee ) @ Post Office Money
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0% for 26 months on balance transfers with Balance Transfer Credit Card ( 0.4% fee ) @ Post Office Money

31
Found 10th Oct 2015
Yet another great deal from Post Office Money 26 months 0% balance transfer credit card with a 0.4% fee.

*0.4% balance transfer fee, with 0% on balance transfers for 26 months. An initial 2.98% fee applies, but we'll reduce this to 0.4% by a refund to your Post Office Money Balance Transfer Account within 90 days of the balance transfer transaction date

Balance transfers must be made within three months of account opening. The balance transfer fee will increase the total amount you owe

0% on purchases for the first three months

No cash fee when you use your Balance Transfer Card to buy travel money at the Post Office

Apply online

postoffice.co.uk/lan…092
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31 Comments
Thanks!!!!!!
Quidco is £30 for a Post Oddicw credit card, not sure if it Applies to this one?
Original Poster
Kraezae

Quidco is £30 for a Post Oddicw credit card, not sure if it Applies to … Quidco is £30 for a Post Oddicw credit card, not sure if it Applies to this one?


I did look on Quidco / TCB but they offered cashback on Platinum and Matched, couldn't find a Balance Transfer as its a new card from the Post Office
Look at a credit card acceptance checker before applying for this, I seem to remember when I did Post Office cards had weirdly high refusal rates, I checked this MSE credit card checker when I was looking for a balance transfer before and I had a low chance of acceptance even though others were fine and I've never been turned down for anything.
how does this work
Had a nightmare signing up with these. Wanted photocopies of drivers licence, bank statements, wage slips, utility bill.

Had to take all photocopies to post office with originals to be certified as seen by post office staff.

Then had to post them all.

Then they sent back 2 weeks later to say my employer name was different to stated and to send P60. So photocopied that and sent it.

2 weeks later they sent it back saying they wanted original.

Phoned them and told them to stick it up their £&?@!

Never had this with any other provider. In fact after phoning them I went online and Virgin accepted me within 60 seconds! Card was at my house following week.
Avatar
deleted90968
Seems to be a limite offer:

At least 51% of customers will get 0% on balance transfers for the first 26 months and a representative rate of 18.9% APR (variable). Others will get 0% for 22 or 18 months and a rate of 21.9% APR (variable), or 24.9% APR (variable).

It would be annoying to go through the hassle described by irvin38a and then not actually get the deal....
Good deal if you use the 0% to clear all of your credit card debt. Get the card and cut it up.
androoski

Seems to be a limite offer:At least 51% of customers will get 0% on … Seems to be a limite offer:At least 51% of customers will get 0% on balance transfers for the first 26 months and a representative rate of 18.9% APR (variable). Others will get 0% for 22 or 18 months and a rate of 21.9% APR (variable), or 24.9% APR (variable).It would be annoying to go through the hassle described by irvin38a and then not actually get the deal....



​That's the way all cards work on advertised APRs/BT rates. They need to be offered to over 50% of accepted applicants but the rest can get a variety of inferior offers depending on your credit score and affordability.
Agree with PO being too strict. I applied for a card last year to transfer a balance from another card , they didn't offer me even half of What I had to transfer and sent me the card without me accepting the offer. Had to make several call to cancel the card even when it was issued without my consent. Applied for Lloyds card, approved online application within minutes and offered more than I needed.
Post Office customer service is terrible. I am still waiting for my security pin to access online banking 2 months after getting my card and many phone calls chasing it.
Original Poster
TidyWorks

Post Office customer service is terrible. I am still waiting for my … Post Office customer service is terrible. I am still waiting for my security pin to access online banking 2 months after getting my card and many phone calls chasing it.



​weird seem very helpful when you phone them up
I applied for this offer (it was very simple and decision was straight away after pressing the apply button) was granted £1,400 straight away then discovered that balance transfers could only be made up to £100 for every card you wished to transfer - not much good really if you want to save on interest from an existing card !!
Odd, mine said minimum of £100 and a max of £200 below my credit limit (which is 4k). Got accepted immediately, I did check noodle first to make sure ny credit score was still OK.
nice one op heat from me
Great card,even if you don't use the transfer element as you are charged no fees for purchases made abroad. The offer on the balance transfer is a no brainier.
Whoever was moaning about them must have a bad credit history.

Took two mins to fill out the form and was accepted immediately. 9500 limit and able to transfer balance online.

Heat added
Tracked £30 quidco, will see if it pays out.
I have an excellent credit rating but have just been rejected!! And I know my rating is good cos I paid £14.99 for the priviledge of finding out 2 months ago!! oO I'm a stay-at-home mum, though, so wondering if you're automatically rejected if you're not employed??
FLORALIQUE

I have an excellent credit rating but have just been rejected!! And I … I have an excellent credit rating but have just been rejected!! And I know my rating is good cos I paid £14.99 for the priviledge of finding out 2 months ago!! oO I'm a stay-at-home mum, though, so wondering if you're automatically rejected if you're not employed??



I suspect that many credit card companies do not offer the unemployed credit cards?!
The Computer said NO
FLORALIQUE

I have an excellent credit rating but have just been rejected!! And I … I have an excellent credit rating but have just been rejected!! And I know my rating is good cos I paid £14.99 for the priviledge of finding out 2 months ago!! oO I'm a stay-at-home mum, though, so wondering if you're automatically rejected if you're not employed??


Pretty sure it said 8k minimum income not including benefits.
insubordinateboy

Whoever was moaning about them must have a bad credit history. Took two … Whoever was moaning about them must have a bad credit history. Took two mins to fill out the form and was accepted immediately. 9500 limit and able to transfer balance online. Heat added



No. Excellent credit rating. Just crap service from post office. As I said, accepted immediately by Virgin. £9000 limit.

Never had a problem with any loans, credit cards, mortgages, phone contracts, utilities etc. Only these.
So I assuming this won't allow you pay money from the card into a bank account and have 0% on that?
I'm going on holiday in a months time. Is there a card out there that I can use to withdraw cash from machines etc and not be charged a fee for it?
aureol40012

I suspect that many credit card companies do not offer the unemployed … I suspect that many credit card companies do not offer the unemployed credit cards?!



Well my hubby is in full time employment and usually they take into account the 'household' income. It's never been a problem before anyway
tek-monkey

Pretty sure it said 8k minimum income not including benefits.



Well my hubby works and we have well in excess of £8k as a combined income but wondering if they're not taking that into account. I can't think of any other explanation anyway. Ah well I'm sure I'll get one somewhere else

Yes, Metro bank debit card.

Gollywood

I'm going on holiday in a months time. Is there a card out there that I … I'm going on holiday in a months time. Is there a card out there that I can use to withdraw cash from machines etc and not be charged a fee for it?



Gollywood

I'm going on holiday in a months time. Is there a card out there that I … I'm going on holiday in a months time. Is there a card out there that I can use to withdraw cash from machines etc and not be charged a fee for it?


Dang it.. I just got the Virgin All Round CC recently. That's 18 months @ 0% but also does Money Transfers @ 0%.
I have good credit rating
Applied but says get back to me within 5 working days
No decision!
Really need a balance transfer card though.
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