18 months interest free credit card with 0.7% transfer fee @ Post Office
881°Expired

18 months interest free credit card with 0.7% transfer fee @ Post Office

78
Found 10th Jun 2014
From the Post office website....

0% balance transfers for the first 18 months with our lowest balance transfer fee of 0.7%. Balance transfers must be made within three months of account opening. To qualify for the 0.7% fee you must apply before 31st July 2014.

Also £40.40 through TCB on accepted credit card applications or £40 with Quidco.

Post office cards also treats a FOREX currency purchase from the post office as a normal trasnaction so no cash advance fees and ridicolous interest rates when you get your currency
- dodgymix

*** Best to go through Quidco rather than Topcashback, as TCB will only provide you with cashback if you have instant online approval. Quidco will allow you to claim both instantly and afterwards if you receive the message at the end saying they need 5 working days to review.***
- rapid111111

77 Comments

Hot!

this should be much hotter than it is surprised because of that 0.7%....heat from me anyway

Banned

This is hotter than tesco whom charge £5 a month for the current account

£40 through quidco too

Can the balance transfer be made to a bank account (as in the old days) ?

do they give much?

happymanuk

Can the balance transfer be made to a bank account (as in the old days) ?



I don't think so, usually just MBNA do this.

Anybody had an instant decision?

wondering the same - anyone who applied got an instant decision like Tesco/M&S Credit cards - please let us know

yep, instant 'YES'
Thanks op

Nice find OP: cheers.
I have a card that's up in August but will go for this as it basically pays for itself.

what's the kind of Credit limits pple are getting with this - I know it entirely depends on individual circumstances and how much you earn and how much debt u got etc etc.... but still it is nice to hear from pple what kinda CL which was offered....

The only downside to this deal is it being issued by Bank of Ireland UK. Unless something has changed recently, they are a real pain in the proverbial to deal with.

Why £ 40.40 through TCB instead of £ 42.00 if you are accepted???

It wont let me so it online :-(

Oops. Do ;-)

It wont let me so it online :-(

I got this a few weeks ago. TCB still tracking at £42 and will cancel card once paid.

What do you mean? TCB will cancel the card once what is paid? And how could they do that?(_;)
Edited by: "emlin" 11th Jun 2014

nice one

Can youu make a transfer to your bank account rather than transfer a balance?

Voted very hot can any one explain TCB cancelling card ???

Oh dear...he meant he will cancel the credit card once the cashback is paid.

Hot! Can anyone explain this tcb? Is this automatically applied to my statement or is it a different registration site?

Original Poster

Commmader1, TCB is a seperate site, you need to register and then search for post office, click the link provided and complete the transaction via that link. On successful applications the cash back will track (sometimes Upto 90 days). You can then withdraw the cashback once it has been approved.

Thank you for your application for a Post Office Credit Card, you should hear back from us within 5 working days.
In the meantime, if you have any questions on your application please contact our Customer Service Team
. not that imediate...

I did this around January via TCB. It didn't track so keep an eye out but I just put a ticket in and £47.25 became payable about 6 weeks ago. I've never used the card, and I never will.

Is there any windows when the BT has to be completed or it could be anytime before 18 months expire ?

Original Poster

Pantaiema, the BT has to be carried out within the first 3 months of opening the card.

i tried this to get TCB month ago, they after five days requested a absolute load of ID proof documents including passports and if they are a photocopy you need a person in a suitable role to authorise like the postoffice!

rubbish application, didnt bother in the end

maddoglewis

I got this a few weeks ago. TCB still tracking at £42 and will cancel … I got this a few weeks ago. TCB still tracking at £42 and will cancel card once paid.



It's selfish behaviour like that which ultimately damages the affiliate system for everyone. Shame on you.

Commander1

Hot! Can anyone explain this tcb? Is this automatically applied to my … Hot! Can anyone explain this tcb? Is this automatically applied to my statement or is it a different registration site?


TCB / Quidco is a cashback site, if you sign up to either company, then search for 'post office' and click on the link (cashback rates are stated here) it will take you to the post office website, the cookies will track and then the cashback company will track the transaction and eventually pay you out months later.

its like google if you click on a search link, google get paid pence per hit or % of any sales, by websites advertising.
cashback sites claim the commission for you, although take a nice little cut themselves.

If they approve you that is, I've tried twice with them in the last couple years with no luck but managed to get a loan and another ccard approved inbetween. odd

Good to note when using this card there are no international landing transaction.. Such as the 3% on top of purchase that some banks charge when purchasing goods abroad

happymanuk

Can the balance transfer be made to a bank account (as in the old days) ?



MBNA and Virgin Money does this. But their "handling fees" are much higher.

barbiegirl

It's selfish behaviour like that which ultimately damages the affiliate … It's selfish behaviour like that which ultimately damages the affiliate system for everyone. Shame on you.



It's not selfish at all. It's completely legitimate and within the T&C's set out by TCB. The card is operated by the Bank of Ireland so I'm certainly not going to show any loyalty to a bank that has already been bailed out by european taxpayers by several billion euros.

maddoglewis

It's not selfish at all. It's completely legitimate and within the T&C's … It's not selfish at all. It's completely legitimate and within the T&C's set out by TCB. The card is operated by the Bank of Ireland so I'm certainly not going to show any loyalty to a bank that has already been bailed out by european taxpayers by several billion euros.



Cool, so all those free £40 from cancelled cards should build up a fresh new debt for us to bail out again ...........

Can you apply online?

It only gives option to apply by calling, how cashback?

gazw

Cool, so all those free £40 from cancelled cards should build up a fresh … Cool, so all those free £40 from cancelled cards should build up a fresh new debt for us to bail out again ...........



Any business that cannot sustain itself should go bankrupt and not be subsidised by the taxpayer. But since they have already swallowed up our money first, it should not be considered immoral to claw a small amount of that back from them.
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