AA dual credit card 32 months of spending at 0% and 16 months of BT but with a 2.89% fee. Also £32 cashback through TCB. Longest card ever for spending
337°Expired

AA dual credit card 32 months of spending at 0% and 16 months of BT but with a 2.89% fee. Also £32 cashback through TCB. Longest card ever for spending

19
Found 27th Aug 2017
The AA Dual Credit Card offers the longest-ever 0% spending period, though you could be accepted and offered fewer 0% months, which won't make it as good a deal.

Dual Credit Card
Get 0% on both balance transfers and purchases with our Dual Credit Card.

CARD OFFER:
  • 0% for either 32 or 24 months on purchases from account opening, depending on individual circumstances.
  • No annual fee

PLUS:
  • 0% for up to 16 or 14 months when a balance transfer is made in the first 3 months, depending on individual circumstance. A 2.89% balance transfer fee applies.

IMPORTANT INFORMATION:
  • Your personal APR and introductory offer duration will be based on your individual circumstances.
  • A balance transfer fee of 2.89% will be applied, which will increase the amount you owe.
  • Pay on time each month and stay within your credit limit to keep your promotional rates.
  • When the promotional offer ends, any outstanding amount will be charged interest at your standard variable rate.

Great deal to use for a few big purchases say you spend £2000 on wachine machine, fridge oven etc... Over 32 months you could pay £62.50 a month and pay no interest even if i had the cash i'd do it this way and get section 75 protection. Also you'd get £32 TCB so better than cash but make sure it tracks properly
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19 Comments
Original Poster
Looks like tcb ends tonight so i'll update accordingly. Better get your skates on if you need that big item
the Assumed credit limit: £1,200 is that likely to be higher if your credit is good

have a rbs cc that I need to change for a 0% limit that is £1600
Edited by: "davver99" 27th Aug 2017
Hmm. Is this card for a specific type of people? For some reason, I just got rejected without a second thought. My credit score is excellent with all payments on time and I just got approved for a Barclaycard too with a 10k limit
Original Poster
cleverguy1211 m ago

Hmm. Is this card for a specific type of people? For some reason, I just …Hmm. Is this card for a specific type of people? For some reason, I just got rejected without a second thought. My credit score is excellent with all payments on time and I just got approved for a Barclaycard too with a 10k limit


Maybe thats why as you'd be over streaching yourself
Anon323 m ago

Maybe thats why as you'd be over streaching yourself

Don't think that's the case. Have 3 credit cards with combine credit limit of £32,000 with salary of £21,000
I have a AA card already so I probably can't have this with the cashback
kvn6182 h, 3 m ago

Don't think that's the case. Have 3 credit cards with combine credit limit …Don't think that's the case. Have 3 credit cards with combine credit limit of £32,000 with salary of £21,000

In that case you could be regarded as a low earner as your salary is below the national average.
I'm not to clued up on how these work, is it a buy now pay later, like 12 months down the line or do you have to pay so much back each month. Sorry credit noob here.
michaeljb33 m ago

I'm not to clued up on how these work, is it a buy now pay later, like 12 …I'm not to clued up on how these work, is it a buy now pay later, like 12 months down the line or do you have to pay so much back each month. Sorry credit noob here.


12 months interest credit mean if Buy something for £1000 you have 12 months in which to pay the back before being charged interest. This could be 1000 ÷ 12 = 83.33 per month or you could just pay 1000 on the12 month. Or 100 x 10 = 1000. As long as you pay pay the money before the end 12 month you won't be charged interest.
7iain78 m ago

12 months interest credit mean if Buy something for £1000 you have 12 …12 months interest credit mean if Buy something for £1000 you have 12 months in which to pay the back before being charged interest. This could be 1000 ÷ 12 = 83.33 per month or you could just pay 1000 on the12 month. Or 100 x 10 = 1000. As long as you pay pay the money before the end 12 month you won't be charged interest.

So there isn't a minimum I have to pay each month? It's up to me when I pay it back as long as it's in the allotted time. Eg I could spend on it and not pay anything for 12 month etc?
michaeljb10 m ago

So there isn't a minimum I have to pay each month? It's up to me when I …So there isn't a minimum I have to pay each month? It's up to me when I pay it back as long as it's in the allotted time. Eg I could spend on it and not pay anything for 12 month etc?


that's correct. But be carefully credit cards are designed to offer you "easy money" they want you go over the interest free credit period, so they can charge you high interest rates.
7iain71 h, 17 m ago

that's correct. But be carefully credit cards are designed to offer you …that's correct. But be carefully credit cards are designed to offer you "easy money" they want you go over the interest free credit period, so they can charge you high interest rates.


Any monthly minimum payment will be rounded up to the nearest pound (£) and will be the greatest of:

• 2.5% of the outstanding balance on your statement (minimum £5) OR

• The full balance (if less than £5) OR

• 1% of the outstanding balance plus interest, plus fees, plus any insurance premium
lilacjumper10 h, 36 m ago

In that case you could be regarded as a low earner as your salary is below …In that case you could be regarded as a low earner as your salary is below the national average.

I'd hate to think what I'm classed as then lol
Original Poster
TCB reduced to £27.30 but still good cashbach
I'm thinking of applying for this card but in 2 minds whether to go for this, or go for the MBNA at 30 month 0% purchases?

It says I've been given a 9/10 chance of getting it - I was wondering how many people have been given the 32 month 0% purchase, because I really don't want the 24 month 0% purchase option.

MBNA says I've been pre-approved - Decisions decisions!

Has anyone got this card set up for ApplePay?
Original Poster
kebabbandit12 h, 37 m ago

I'm thinking of applying for this card but in 2 minds whether to go for …I'm thinking of applying for this card but in 2 minds whether to go for this, or go for the MBNA at 30 month 0% purchases?It says I've been given a 9/10 chance of getting it - I was wondering how many people have been given the 32 month 0% purchase, because I really don't want the 24 month 0% purchase option. MBNA says I've been pre-approved - Decisions decisions!Has anyone got this card set up for ApplePay?


I was pre approved for mbna went for m&s 95% chance for the £50 voucher got rejected outright! Then went for the mbna thinking thats it my chances are shot! But got that with a £7400 but promptly reduced to £5000. Much higher than sainsburys.

The sainsburys will be paid in two months and closed. Up to you! do you want to risk your chances or take what probably is a good credit limit and you will get the two and half years 0%. If you go for this i'd apply to mbna instantly if you get rejected as it cant show up on your credit file instantly. But i wouldn't be gready and just get the mbna. Mines paying for a heating system and i'm just happy its zero percent tbh with the full 20 months

up to you what you do
Edited by: "Anon32" 28th Aug 2017
Anon321 h, 25 m ago

I was pre approved for mbna went for m&s 95% chance for the £50 voucher …I was pre approved for mbna went for m&s 95% chance for the £50 voucher got rejected outright! Then went for the mbna thinking thats it my chances are shot! But got that with a £7400 but promptly reduced to £5000. Much higher than sainsburys. The sainsburys will be paid in two months and closed. Up to you! do you want to risk your chances or take what probably is a good credit limit and you will get the two and half years 0%. If you go for this i'd apply to mbna instantly if you get rejected as it cant show up on your credit file instantly. But i wouldn't be gready and just get the mbna. Mines paying for a heating system and i'm just happy its zero percent tbh with the full 20 monthsup to you what you do

Wow! That's a bit of a kick in the nuts - I've seen a fare few reviews on this card & seems to be a selected few that get it. I've got a really good credit rating & don't want to risk damaging it on a whim. As you said, why get greedy over a couple of extra month 0%.

Thanks! I'll take your advice & apply for the MBNA end of next week - It should arrive in time for my 2 weeks off work on the 10th
Original Poster
kebabbandit12 h, 43 m ago

Wow! That's a bit of a kick in the nuts - I've seen a fare few reviews on …Wow! That's a bit of a kick in the nuts - I've seen a fare few reviews on this card & seems to be a selected few that get it. I've got a really good credit rating & don't want to risk damaging it on a whim. As you said, why get greedy over a couple of extra month 0%. Thanks! I'll take your advice & apply for the MBNA end of next week - It should arrive in time for my 2 weeks off work on the 10th


No problem and i meant the 30 months. Let me know how it goes? The customer service has been good and you can check your balance, payment and statement with sms which is really usefull. Happy so far with it all so if pre approved then why risk it
good luck trying to balance transfer to another card if you don't pay this off by the end of the interest free period - RBI customer service was truly shocking when I had one! NEVER AGAIN
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