0% on Balance Transfers for 22 months - longest ever fee free Balance Transfer Credit Card   @ AA Credit Card
548°Expired

0% on Balance Transfers for 22 months - longest ever fee free Balance Transfer Credit Card @ AA Credit Card

65
Found 4th Nov 2015
Balance Transfer Credit Card From AA Credit Cards

No fee and 0% on balance transfers for the first 22 months

0% for 22 months on balance transfers made in the first 3 months

0% for 3 months on purchases from account opening

No fee to make balance transfers

No annual fee

Plus 40% discount AA European Breakdown cover on trips of 3 days or more if you book by 1st April 2016*

Apply online for an AA Balance Transfer Credit Card

65 Comments

Longest? I got a virgin card a couple of moths ago 36 months interest free balance transfer now it's 37 months
m.virginmoney.com/vir…er/

You can hardly remain anonymous if you get one of these!

seams good with no fees at all

bigbill2656

Longest? I got a virgin card a couple of moths ago 36 months interest … Longest? I got a virgin card a couple of moths ago 36 months interest free balance transfer now it's 37 monthshttp://m.virginmoney.com/virgin/credit-cards/money-transfer/



you paid a fee though this one you don't.

bigbill2656

Longest? I got a virgin card a couple of moths ago 36 months interest … Longest? I got a virgin card a couple of moths ago 36 months interest free balance transfer now it's 37 monthshttp://m.virginmoney.com/virgin/credit-cards/money-transfer/




FEE FREE?
This is actually FEE FREE, You got charged.

Original Poster

bigbill2656

Longest? I got a virgin card a couple of moths ago 36 months interest … Longest? I got a virgin card a couple of moths ago 36 months interest free balance transfer now it's 37 monthshttp://m.virginmoney.com/virgin/credit-cards/money-transfer/



​this one has No Fee

Quidco takes you to a different card with a fee on BT sadly

Original Poster

nigelpm

Quidco takes you to a different card with a fee on BT sadly



Ok thank you for letting me know I will remove the Quidco

Yes I did but got 6 bottles of wine free for transferring £500 so I did pay £11 but got the wine for free win win oh and it was Hardys Nottagehill 14% cheapest price Asda £5 most places about £8 a bottle 6 x £5 = £30 I paid £11. so I think I got the better deal by far!
Just noticed you have to transfer £1000 now but that's still better unless you don't drink wine

23 quid cashback on quid Co for me

kelsbels12

23 quid cashback on quid Co for me



same card but not fee free.

Not easy to get? knock you back and lower your credit score!

A good deal if you get a high enough credit limit. Best deal I ever got was from an MBNA card who gave me a £14k limit (those crazy times before the credit crunch) and a max fee of £75. Put 95% of my credit limit into my offset mortgage for a year, saved quite a bit!

did anyone get an instant decision with a credit limit - I applied and got a message

You should expect to receive a letter within five working days.


How did you pay into your offset mortgage account? Just asked bank to take a payment?

Cameron must be doing a good job with the economy, HUKD is rife with interest free credit card deals! Just need the 105% mortgage deals and credit crunch 2.0 is on the horizon! . Disclaimer; I'm joking... Unless of course JC is elected!

I should add for the sake of staying on topic; this is a fantastic deal. If you have a balance on a credit card and paying interest, or you have an interest free purchase card nearing the end of the interest free period, apply now!

Has anyone confirmed if you can transfer into a current account as a loan alternative? Don't want it for myself, but may help the community if anyone has gone through the terms.

Edited by: "jazlabs" 5th Nov 2015

jazlabs

Cameron must be doing a good job with the economy, HUKD is rife with … Cameron must be doing a good job with the economy, HUKD is rife with interest free credit card deals! Just need the 105% mortgage deals and credit crunch 2.0 is on the horizon! . Disclaimer; I'm joking... Unless of course JC is elected!I should add for the sake of staying on topic; this is a fantastic deal. If you have a balance on a credit card and paying interest, or you have an interest free purchase card nearing the end of the interest free period, apply now! Has anyone confirmed if you can transfer into a current account as a loan alternative? Don't want it for myself, but may help the community if anyone has gone through the terms.


Would that be in the summary box?

Note that you can't use this to transfer to any other Bank of Ireland issued cards, so if your credit card is issued by a provider that uses Bank of Ireland as the card issuer, then you won't be able to use this deal. I believe this includes Post Office cards, but there is probably a long list. Just double check before applying

mistermoneysaver

Would that be in the summary box?



I can't see it and it doesn't explicitly say in the terms and conditions, however their definition of a Balance Transfer in the T&Cs would suggest it would only be allowed to 'reduce' a debt rather than add to your credit, but surely that would include anyone in their overdraft?

"Balance Transfer – a payment we make on your request to another organisation which pays off or reduces the amount that you owe to that other organisation excluding any Bank of Ireland Group company;"

Technically this would be a Money Transfer - but there's no mention of that at all in the T&Cs, so possibly not allowed.
Edited by: "jazlabs" 5th Nov 2015

bfchris

How did you pay into your offset mortgage account? Just asked bank to … How did you pay into your offset mortgage account? Just asked bank to take a payment?


I had credit card cheques so it was easy, but you can just transfer the maximum allowed to another credit card, taking it to a credit balance, then getting the other credit card company to pay that money back to your bank account

Original Poster

Jumpingphil

Longest ever?



​No fee balance transfer yes

nigelpm

same card but not fee free.



​fee? for what

Original Poster

Jumpingphil

First two in the link are 25 and 26 months respectively. oO



​they are for purchases not balance transfers

Original Poster

Jumpingphil

My mistake.



​that's OK it's nearly Friday

bigbill2656

Longest? I got a virgin card a couple of moths ago 36 months interest … Longest? I got a virgin card a couple of moths ago 36 months interest free balance transfer now it's 37 monthshttp://m.virginmoney.com/virgin/credit-cards/money-transfer/


this is the longest FEE FREE offer (yours charges 2.99% fee)
No fee and 0% on balance transfers for the first 22 months
0% for 22 months on balance transfers made in the first 3 months
0% for 3 months on purchases from account opening
No fee to make balance transfers
No annual fee

Is there a fee with this card ?

Banned

can pay my mortgage for a few months with this thanks

I love reading the comments on this type of stuff, if only to confirm there are lots of people out there tighter than me!

Wish they'd offer this to current customers! Just paid off my last 0% with AA, their usual offerings are rubbish.

Please I'm a simpleton which finds all this talk goble de gouke.

Should I have a credit card? Never owned one.

What fees are there and what are the advantages of using one?

Just standard fair now, basically copied off the Halifax deal from 2m ago which offered 22m int free /6m int free on purchases and no fees.

They also offered either £25 or £35 cashback on quidco

so this is actually much worse

Tesco offering the same, zero fee with 21 months 0%

sprite127594

Please I'm a simpleton which finds all this talk goble de gouke. Should I … Please I'm a simpleton which finds all this talk goble de gouke. Should I have a credit card? Never owned one.What fees are there and what are the advantages of using one?



If you don't already have a credit card then this one is probably no good for you as the main benefit is the fee-free (and interest free) balance transfer. Balance transfers are for transferring the debt from another credit card (that you may be paying interest on and don't want to pay off in full) to this card so you can pay it off over a longer period without paying any interest.

Credit cards are absolutely worth having as many offer benefits such as cashback, interest free periods, reward points (claimable as vouchers / holidays / flights etc). If you are buying things with cash or debit card when you could be using a benefits credit card then you're effectively losing out. Having a credit card and not missing any payments also helps build a good credit record making you more credible for better offers or for mortgage applications.

sprite127594

Please I'm a simpleton which finds all this talk goble de gouke. Should I … Please I'm a simpleton which finds all this talk goble de gouke. Should I have a credit card? Never owned one.What fees are there and what are the advantages of using one?



​With greatest respect,the mere fact you have asked such a question probably means a credit card is not for you.

bigbill2656

Longest? I got a virgin card a couple of moths ago 36 months interest … Longest? I got a virgin card a couple of moths ago 36 months interest free balance transfer now it's 37 monthshttp://m.virginmoney.com/virgin/credit-cards/money-transfer/



​thanks for this

just got my application in and it has been accepted

sprite127594

Please I'm a simpleton which finds all this talk goble de gouke. Should I … Please I'm a simpleton which finds all this talk goble de gouke. Should I have a credit card? Never owned one.What fees are there and what are the advantages of using one?



​trust me if I could go back 20 years I would now not bother. Have none now but easy to get in dept with I realise it is self control but you start with a 500 limit and they keep increasing it till it gets to the point you spend more than you can pay back without using it again.

they do have the advantage of covering you for purchases and i would like one which gives 1K limit and never increases it. so if anyone knows of one please let me know cash back would be good to it will just be use and pay in full end of month.

So now if I cannot afford it I borrow off me mum (only for car problems) I realise not everyone can borrow.

I saw an AA man in his van on the M1.

He looked very worried and I said to my wife, 'He's heading for a breakdown, mark my words'

dodgymix

Just standard fair now, basically copied off the Halifax deal from 2m ago … Just standard fair now, basically copied off the Halifax deal from 2m ago which offered 22m int free /6m int free on purchases and no fees.They also offered either £25 or £35 cashback on quidcoso this is actually much worse



Great card for stoozing. I believe the aa allows you to transfer the money straight into your account too.

These are great for offset mortgage purposes, especially for those who pay off their usual credit card bill in full. Transfer balance to one of these each month and leave the money sitting in your current account offsetting. Best one's are where you can transfer fee free for the duration, not just 1st 90 days or so.

paulsssss

​trust me if I could go back 20 years I would now not bother. Have none n … ​trust me if I could go back 20 years I would now not bother. Have none now but easy to get in dept with I realise it is self control but you start with a 500 limit and they keep increasing it till it gets to the point you spend more than you can pay back without using it again.they do have the advantage of covering you for purchases and i would like one which gives 1K limit and never increases it. so if anyone knows of one please let me know cash back would be good to it will just be use and pay in full end of month.So now if I cannot afford it I borrow off me mum (only for car problems) I realise not everyone can borrow.



You can reject credit limit increases on absolutely any credit card. If you get a card from anyone with a limit of more than £1000 and ask them to reduce it, there's no logical reason whatsoever they'd refuse to do so (the only caveat is if you wait a while some companies will occasionally give you another credit check and could refuse on the basis of your credit record).

I'm also not sure why your lack of self control should mean anything to other people. I've only been using cards for about 5 years yet have saved/earnt well over £1000...
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