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barclaycard BALANCE TRANSFER CARD 0.0% for 32 months 0.72% FEE
barclaycard BALANCE TRANSFER CARD 0.0% for 32 months 0.72% FEE

barclaycard BALANCE TRANSFER CARD 0.0% for 32 months 0.72% FEE

Could be good if you want a lower fee and are happy with a bit less time to pay off your balance

0% interest on balance transfers for 32 months from account opening (0.72% fee applies)
A fee of 3.5% will be applied to your account at first, but you'll only pay 0.72% as we'll refund the difference – terms and conditions apply
0% interest on purchases for 6 months from account opening
You could use the money you save on interest to reduce the amount you owe

34 Comments

Plus £30 cash back with quidco... :-) Free money

Any idea how long this offer is on for?
Thanks

VSUKWizard

Plus £30 cash back with quidco... :-) Free money



It's £25 cashback on the 32month with 0.72%, £30 on the 37 month with 1.5% fee. So if you are transferring more than £641 then it's better to go for the £25 cashback and 32months.

mayzi

Any idea how long this offer is on for? Thanks



T&C say the offer can be withdrawn at any time so your guess is as good as mine. But the offer is available for 60 days from opening the card. So if you apply today, you can do the transfer at any time in the next 60 days so there's no hurry if you aren't immediately ready to perform the transfer.

BigYoSpeck

T&C say the offer can be withdrawn at any time so your guess is as good … T&C say the offer can be withdrawn at any time so your guess is as good as mine. But the offer is available for 60 days from opening the card. So if you apply today, you can do the transfer at any time in the next 60 days so there's no hurry if you aren't immediately ready to perform the transfer.



My current deal expires in November and I have some big purchases coming up in October so was hoping to bt for them.
Risk and wait or just go for it?

mayzi

My current deal expires in November and I have some big purchases coming … My current deal expires in November and I have some big purchases coming up in October so was hoping to bt for them. Risk and wait or just go for it?



Depends when in October. If you applied for this in the next few days you still have until like the second week of October to do the transfer within their 60 day period.

In terms of how long do they leave offers running for it's complete guesswork. That Virgin money transfer offer on here has been live over a month now so who knows maybe this offer will be pulled at weekend, maybe it'll run into September or beyond. No answer on here is going to be anything other than complete guesswork.

Offers will only get better not worse with the dropping interest rate... imo

I'd say cold if looking for a stooze - beware the high 2.5% minimum payments with Barclaycard. You'll have less than half your balance on the card by the end. 1% min repayments are much better.

I'd say hot if looking for a way of paying down a debt at a low rate in a controlled manner.

About the quidco, I went through them for a Barclaycard a 9 months ago. The Quidco was not honoured, plenty of review on the quidco site say the same so i would not bank on it.

Chrisdf

About the quidco, I went through them for a Barclaycard a 9 months ago. … About the quidco, I went through them for a Barclaycard a 9 months ago. The Quidco was not honoured, plenty of review on the quidco site say the same so i would not bank on it.


thats weird, i have had two barclaycards and both times paid

Offer available until 19th August. Found on uSwitch

Barclaycard are the only credit company to reduce my limit so much I had to move money off - during recession. Would be very cautious using them as customer service is also appalling.
Oh and the monthly repayments are more than double others (bar sainsburys)
Edited by: "bargainhunter666" 11th Aug 2016

Others may prefer no fee for 24mths with Tesco/Halifax

Chrisdf

About the quidco, I went through them for a Barclaycard a 9 months ago. … About the quidco, I went through them for a Barclaycard a 9 months ago. The Quidco was not honoured, plenty of review on the quidco site say the same so i would not bank on it.



My partner did TCB for BarclayCard and never got paid

Hardly surprising TCB has gone seriously downhill recently...and of course they like to keep repeating their mission statement. "Cash back isn't guaranteed"

I signed up to their 25/25 offer. This is a cracking deal too. Thanks OP

Is this for new customers only?

I already have a barcley Card with no cash on it so unsure if I could get this offer.

Can anyone confirm what the upper amount is for balance transfers

mcfadyens

Can anyone confirm what the upper amount is for balance transfers


95% of your agreed limit.

What is the upper limit to this offer in terms of how much you can transfer , what is the upper level of agreed limit that I his wife offer applies to

Be wary of what they actually offer you but dont tell you until you have accepted what you think is long term , i applied about 2 years ago for a big balance transfer over longest period on offer, got accepted no mention of time being reduced to only 6 months, only after everything was signed etc. Maybe i should have double checked but as far as i was concerned the offer i applied for was 32 months. Had long discussions with barclays who were no help and all they kept stating was i must have applied from an incorrect link, which ironically i sent them because it was an email from them. Still they wouldn't extend to full length terms. Will never use them again

You also from Equifax credit rating every month for free so you can work on getting your credit score up....If that matters to you

patg2005

You also from Equifax credit rating every month for free so you can work … You also from Equifax credit rating every month for free so you can work on getting your credit score up....If that matters to you



Yeah it's super basic though. Just sign up for noddle if you want a free credit check

noddle.co.uk/

Very useful comments guys, very much appreciated

Sliwka

is it better then Tesco deal ? … is it better then Tesco deal ? http://www.tescobank.com/credit-cards/low-fee/index.html?cmpid=aff/acq/cc/lf/qc/Quidco



Well this is going to cost you £7.20 for every £1000 you transfer onto it but with a longer interest free period. So it's going to differ from person to person if the longer interest free period is better or the zero fee.

If you're confident of clearing the balance or getting another 0% interest card in 24 months then the Tesco is obviously better.

As stated Barclays also have you make quite high monthly repayments which does make it easier to repay within the offer period.

I have a top Experian Score and they don't allow me to transfer £5000... can only transfer £1750...
Edited by: "slannmage" 11th Aug 2016

Iron-Man

Anyone know the likelihood of being accepted with a "fair" experian score … Anyone know the likelihood of being accepted with a "fair" experian score 720.Don't want to lower my score by applying and denying


Try the eligibility calculator - as far as I know the Barclaycard Initial is for those with poor credit ratings so it should be fine - you can check here: creditcards.moneysavingexpert.com/?ba…342

What kind of credit score do you need to apply for a card like this?

never checked my experian rating but applied for a similar Virgin deal recently and got given £13,000 limit. Only needed to transfer £3k. I alway thought they just look at your earning and outgoings.

BigYoSpeck

Yeah it's super basic though. Just sign up for noddle if you want a free … Yeah it's super basic though. Just sign up for noddle if you want a free credit checkhttps://www.noddle.co.uk/


Tried and failed to sign up with them several times. They've got pretty poor reviews online too. Here's a link with more info: telegraph.co.uk/fin…tml

patg2005

Tried and failed to sign up with them several times. They've got pretty … Tried and failed to sign up with them several times. They've got pretty poor reviews online too. Here's a link with more info: http://www.telegraph.co.uk/finance/personalfinance/money-saving-tips/jessicainvestigates/11475019/Could-free-credit-checks-be-a-scam.html



I see no actually information in that article, just the writers own fear, uncertainty and doubt. Any time you make a payment online you take a risk.

BigYoSpeck

I see no actually information in that article, just the writers own fear, … I see no actually information in that article, just the writers own fear, uncertainty and doubt. Any time you make a payment online you take a risk.


Agreed the article is not great...its the online reviews that would put me off most of all....

patg2005

Agreed the article is not great...its the online reviews that would put … Agreed the article is not great...its the online reviews that would put me off most of all....



Well I can't speak for others but their information for me is very accurate, their score has me similarly positioned to Experian and I can't imagine what they could do wrong with my credit details. I often think with things like these that the bad reviews are often user error to be frank. I wouldn't bother going to write a good review but I can imagine a lot of people who are narked they didn't get the information they wanted going on a mindless rant without stopping to think what they may have done wrong.

BigYoSpeck

Well I can't speak for others but their information for me is very … Well I can't speak for others but their information for me is very accurate, their score has me similarly positioned to Experian and I can't imagine what they could do wrong with my credit details. I often think with things like these that the bad reviews are often user error to be frank. I wouldn't bother going to write a good review but I can imagine a lot of people who are narked they didn't get the information they wanted going on a mindless rant without stopping to think what they may have done wrong.


You may well be right about the ranters...Good to hear its worked for you
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