37 month 0% balance transfer (2.54% fee) with barclaycard platinum plus £27.27 cashback via Topcashback
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37 month 0% balance transfer (2.54% fee) with barclaycard platinum plus £27.27 cashback via Topcashback

23
Found 4th Jan 2016
Long 0% period for balance transfers with barclaycard for a fairly low fee of 2.54%.
The £27.27 cashback via TCB will also hopefully offset the fee for most too. I got this deal a while ago and it tracked & paid with no issues whatsoever.

Remember to clear debts or set a reminder to shift again before the 37 months end though or you'll be hit with huge interest repayments. 37 months is a long time and most won't keep the same calendar, diary or phone for the full period - I set a yearly reminder in my phone with how long I have left just so I don't forget when the rate jumps up!
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Don't hold your breath for cashback!
Also fee is 2.19% for the same card direct. Still better with this is cash back tracks unless your transferring a large balance.

adi0604

Don't hold your breath for cashback!


Mine paid out no problem with barclaycard - did you raise a claim? Wish I could say the same for the £202 I was due for signing up with talk talk
Edited by: "maaow" 4th Jan 2016
maaow

Mine paid out no problem with barclaycard - did you raise a claim? Wish I … Mine paid out no problem with barclaycard - did you raise a claim? Wish I could say the same for the £202 I was due for signing up with talk talk



Obviously. Apparently Barclay can just declined it and cashback people cannot do much about it, although I was assured we do monitor all claims for our customer but unfortunately can't help any further in this matter. Useless!
got declined barclaycard with a full points on my credit history as i'm too good to be given a card. I don't have any credit card as I always used a debt.
adi0604

Obviously. Apparently Barclay can just declined it and cashback people … Obviously. Apparently Barclay can just declined it and cashback people cannot do much about it, although I was assured we do monitor all claims for our customer but unfortunately can't help any further in this matter. Useless!



What a shame sorry to hear you had such a bad experience
dadz

got declined barclaycard with a full points on my credit history as i'm … got declined barclaycard with a full points on my credit history as i'm too good to be given a card. I don't have any credit card as I always used a debt.



Same with most lenders sadly. I was in the same position a few years ago but managed to get a card from my bank just for the purpose of building my score. From there managed to get mortgage, cards, etc as needed but I 100% agree its always best to pay by debit where possible!
i think barclaycard have a higher monthly repayment % than others, i know when hubby balance transferred to BC they took more out per month dd.

c

maaow

Same with most lenders sadly. I was in the same position a few years ago … Same with most lenders sadly. I was in the same position a few years ago but managed to get a card from my bank just for the purpose of building my score. From there managed to get mortgage, cards, etc as needed but I 100% agree its always best to pay by debit where possible!



Checked my credit scoring the only negative I have is I don't have a credit card hence why I wanted to get one, I may just pop in to my bank and speak to someone. Banks are just looking how to make as many interest as possible but with people managing their finance well we are a bad business for them
I think the AA credit card with no fee is a good deal, its for 22 month as oppose to 37. Guess it depends on how quick you can pay the debt. theaa.com/cre…019
darkcloud

I think the AA credit card with no fee is a good deal, its for 22 month … I think the AA credit card with no fee is a good deal, its for 22 month as oppose to 37. Guess it depends on how quick you can pay the debt. http://www.theaa.com/credit-card/balance-transfer-credit-card-aggregator.jsp?ito=87019



AA also offering £24 cash back via quidco on BTs
maaow

I 100% agree its always best to pay by debit where possible!


Quite the opposite. A history of having, using & paying off a credit card is better for you than just using cash/debit cards. With the right credit card, you'll also get benefits like cashback/points/airlines for free.
jcooper

Quite the opposite. A history of having, using & paying off a credit card … Quite the opposite. A history of having, using & paying off a credit card is better for you than just using cash/debit cards. With the right credit card, you'll also get benefits like cashback/points/airlines for free.



I agreed - see MSE thread about Section 75 refunds and free protection for ALL credit card spending
adi0604

Obviously. Apparently Barclay can just declined it and cashback people … Obviously. Apparently Barclay can just declined it and cashback people cannot do much about it, although I was assured we do monitor all claims for our customer but unfortunately can't help any further in this matter. Useless!


Mine also declined , you see the issue is they know it's up to 100 days to claim for a declined cashback so what Barclays do is let your transaction stay at pending for 100 days then suddenly it's declined and there's nothing at all you can do about it , so if you are going for the cashback forget it , also look at the shocking reviews on the tcb website .

Edited by: "Scooby2520" 5th Jan 2016
Yorkshire and Clydesdale bank offer 26 months interest free on purchases and 18 months on balance transfers. So a good credit card for first timers
Sorry it's 12 months balance transfer and I was able to choose what limit I wanted so I don't go crazy with my spending!
jcooper

Quite the opposite. A history of having, using & paying off a credit card … Quite the opposite. A history of having, using & paying off a credit card is better for you than just using cash/debit cards. With the right credit card, you'll also get benefits like cashback/points/airlines for free.



Couldnt agree more! I have access to thousands with no interest should I require it for any reason, and always pay cards off in full and abuse/use the banks for all I can! Credit cards can be quite good/profitable if you're clever!
New customers or can existing BC customers get this?
stevemack

Couldnt agree more! I have access to thousands with no interest should I … Couldnt agree more! I have access to thousands with no interest should I require it for any reason, and always pay cards off in full and abuse/use the banks for all I can! Credit cards can be quite good/profitable if you're clever!




Agreed. I've had credit cards for years and never paid a penny in interest of charges for the privilege. In fact, I've gained about £50 in Quidco/TCB through them and when I recently rang Barclaycard to cancel my card (due to the expiry of 0% purchases promotion) they gave me another 12 months, and £20 credit for being a 'good customer'! - I can't think why.
Is this only new or existing customers
TCB (topcashback) is SH*T . Cashback you will receive after 8 to 10 months if you are lucky.
jcooper

Quite the opposite. A history of having, using & paying off a credit card … Quite the opposite. A history of having, using & paying off a credit card is better for you than just using cash/debit cards. With the right credit card, you'll also get benefits like cashback/points/airlines for free.



I know it's better for credit score & perks but I'd much rather be in the position to have the cash in the bank
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