2 Year 0% Balance Transfer Fee Free Credit Card + possible £31.50 cashback  @ Tesco Bank
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2 Year 0% Balance Transfer Fee Free Credit Card + possible £31.50 cashback @ Tesco Bank

51
Found 8th Jul 2016
Tesco have moved their fee free balance transfer card from 21 months to 24 months - so 2 years 0% with no fee.

Best 2 year fee free balance transfer deal in my opinion as no additional conditions upon acceptance e.g. AA has a £500 min balance transfer condition and Halifax only guarantees the headline offer for a % of customers

£31.50 TCB as a bonus
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£31.50 cash back as well?

http://4.bp.blogspot.com/-mE5gz3xD8eE/T4x_ki-0TCI/AAAAAAAAA9k/ES4dMG45bM0/w1200-h630-p-nu/surprised-baby.gif

I'm shocked X)
Edited by: "maccy1" 8th Jul 2016
cblfal
Original Poster
muffboy

cblfal



You must be lost for words muffboy
Original Poster
maccy1

£31.50 cash back as well? I'm shocked X)



Two people lost for words on Friday

Must get Zippy to spread the word of free money

http://stream1.gifsoup.com/view1/1316982/zippy-2-o.gif
Chanchi32

Two people lost for words on FridayMust get Zippy to spread the word of … Two people lost for words on FridayMust get Zippy to spread the word of free money



Not often I'm lost for words, but who doesn't like...

http://media3.giphy.com/media/xDqnFsdTb1i2Q/giphy.gif

X)
Free money im in, heat added chanchi
Good find op, heat added
muffboy

cblfal



http://i.imgur.com/Lnbulx3.gif
Edited by: "Evel_Knievel" 8th Jul 2016
Why are all these gifs so short?
Whether it'a good thing or not is open to conjecture but Tesco credit cards have very low %tage min monthly payback terms.
Heat added OP
Heat. Looks like £29 quidco for any non TCB users
Can I get the credit card, and then I can use it whenever I like, and I don't get charged for 2 years? What happens after the 2 years? And what do people usually do after the 2 years?
gurdevshehri

Can I get the credit card, and then I can use it whenever I like, and I … Can I get the credit card, and then I can use it whenever I like, and I don't get charged for 2 years? What happens after the 2 years? And what do people usually do after the 2 years?


Who`s going to tell him?
I got this last year. Good card and cheap- acts as a clubcard as well.

Be warned the cashback takes months to come through.
gurdevshehri

Can I get the credit card, and then I can use it whenever I like, and I … Can I get the credit card, and then I can use it whenever I like, and I don't get charged for 2 years? What happens after the 2 years? And what do people usually do after the 2 years?



Yeah, obviously,get one , get two!
f I already have a Tesco Credit Card, can I apply for another one?

started by Employee Nick_F on ‎27-04-2015 10:41 AM - last edited on ‎19-10-2015 10:10 AM by Employee mattpj

Yes, subject to a successful credit check, and as long as you have not applied for a Tesco Bank credit card in the last month or have an application currently in progress, you can hold more than one credit card with Tesco Bank.
Edited by: "daBluone" 8th Jul 2016
anyone know how I can predict what the limit they will offer? or how they work it out?
ollie87

Why are all these gifs so short?



Possibly a space restriction - they used to have the user pictures as gif's but not any more
Bigfootpete

Possibly a space restriction - they used to have the user pictures as … Possibly a space restriction - they used to have the user pictures as gif's but not any more



imgur.com

http://i.imgur.com/TYapeQh.gif
Edited by: "ollie87" 8th Jul 2016
Money for nothing Thanks for posting X)
Have used them twice in the past.. excellent as long as you are within control to take advantage during promotional period and pay back.
ollie87

http://www.imgur.com



X)
Original Poster
Trapperuk

anyone know how I can predict what the limit they will offer? or how … anyone know how I can predict what the limit they will offer? or how they work it out?



Depends on a number of factors so difficult to say as each lender has different scorecards and credit line strategies, but influencing factors will be:

- Balance Transfer intention - generally lenders will give you more credit limit headroom if you indicate in the application that you intend to do a balance transfer
- Your income vs your expenditure including debts held elsewhere e.g. how indebted you maybe. They will also use information available from credit reference agencies

ta
Edited by: "Chanchi32" 8th Jul 2016
I've had a quick look around the site but can't find any info on when this offer ends. Anybody any info on this?
I have an average credit history and never had a credit card before. They offered me ££3,700 which I gladly took to help improve my credit score. Keep the usage low to help improve your credit score.
Original Poster
jaffanator

I've had a quick look around the site but can't find any info on when … I've had a quick look around the site but can't find any info on when this offer ends. Anybody any info on this?



No offer ends date I can see - usually depends on what the other card providers are offering and current trend has been fee free balance transfer offers getting longer.

That said given current economic environment and uncertainty I could see some of the lenders tighten up their credit policy and also reduce credit limits for new accounts, so maybe better getting a fee free balance transfer sooner rather than later if you are in the market to shift a balance.
Anyone know if it is possible to do a balance transfer from 2 different cards onto the new Tesco one or does it only allow you to do one single transfer from another card ?

Obviously providing the total transferred was within the set credit limit
Edited by: "rooney10" 8th Jul 2016
937666


Wow 'thats a big helmet' oO X)
summerof76

Wow 'thats a big helmet' oOX)



Took your time with that reply

http://i.imgur.com/Jdf01FA.gif
ollie87

Why are all these gifs so short?


As children they didnt eat their crusts
Original Poster
rooney10

Anyone know if it is possible to do a balance transfer from 2 different … Anyone know if it is possible to do a balance transfer from 2 different cards onto the new Tesco one or does it only allow you to do one single transfer from another card ?Obviously providing the total transferred was within the set credit limit



Can't see why not - maybe phone to double check

edit: gary rip confirmed can do multiples - comment 35
Edited by: "Chanchi32" 8th Jul 2016
Chanchi32

No offer ends date I can see - usually depends on what the other card … No offer ends date I can see - usually depends on what the other card providers are offering and current trend has been fee free balance transfer offers getting longer.That said given current economic environment and uncertainty I could see some of the lenders tighten up their credit policy and also reduce credit limits for new accounts, so maybe better getting a fee free balance transfer sooner rather than later if you are in the market to shift a balance.



​Sound advice, thanks.
Chanchi32

Can't see why not - maybe phone to double check



I did from three different cards as part of the application... Option to do even more.
Original Poster
gary_rip

I did from three different cards as part of the application... Option to … I did from three different cards as part of the application... Option to do even more.



thanks for confirming gary
Original Poster
Forgot to mention - you can also get 1000 Clubcard bonus points if an existing Tesco Bank cardholder refers you (they also get 1000 points)

You can do this retrospectively e.g. up to 2 months once the account is opened. This stacks on top of any cashback however Tesco have been very slow at crediting the points recently, reports of taking a few months and having to follow up with customer service

tescobank.com/ass…pdf
I already have the 6% no promotional card, can I apply for this too?
Original Poster
AStonedRaichu

I already have the 6% no promotional card, can I apply for this too?



is that a Tesco credit card legacy product?

comment 18 by daBluone

"If I already have a Tesco Credit Card, can I apply for another one?

started by Employee Nick_F on ‎27-04-2015 10:41 AM - last edited on ‎19-10-2015 10:10 AM by Employee mattpj

Yes, subject to a successful credit check, and as long as you have not applied for a Tesco Bank credit card in the last month or have an application currently in progress, you can hold more than one credit card with Tesco Bank.
Chanchi32

is that a Tesco credit card legacy product?comment 18 by daBluone"If I … is that a Tesco credit card legacy product?comment 18 by daBluone"If I already have a Tesco Credit Card, can I apply for another one?started by Employee Nick_F on ‎27-04-2015 10:41 AM - last edited on ‎19-10-2015 10:10 AM by Employee mattpjYes, subject to a successful credit check, and as long as you have not applied for a Tesco Bank credit card in the last month or have an application currently in progress, you can hold more than one credit card with Tesco Bank.



Not sure about legacy but it's a Tesco Clubcard Credit Card Low APR card,

I'll give it a go thanks Chanci
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