Barclays balance transfer card 37 months for 1.85% fee
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Barclays balance transfer card 37 months for 1.85% fee

27
Found 19th Dec 2017
  • 0 % interest for 37 months on balance transfers from the date you open your account. Your 0% offer will start from the date you make your balance transfer. (1.4% fee applies)
  • A fee of 3.5% will be applied to your account at first, but you'll only pay 1.85% as we'll refund the difference – terms and conditions apply
  • 0% interest on purchases for six months from the date you open your account
  • You could use the money you save on interest to reduce the amount you owe


Card is suited to customers who

  • Are aged 21 or over
  • Haven't had any Individual Voluntary Agreements, County Court Judgements, and haven't been declared bankrupt in the past six years
  • Always make payments on time
  • Have at least four years' experience of managing credit
  • Have had a permanent UK address for at least three months
  • Have a personal income of more than £20,000 per annum
  • Are able to afford repayments on any outstanding credit commitments

Why I like this
37 months is a cracking deal for anyone who needs to spread credit card repayments over a long time period.

The 1.85% fee is competitive and means paying £18.50 for every £1,000 you transfer.

To make the most of this deal, work out how much of your debt you need to repay each month to (hopefully) pay off the whole balance in 37 months. Although the card also offers 6 months 0% on purchases, try not to spend on the card - your priority should be paying off debts.

Remember you must make at least the minimum payment each month or you will lose the 0% deal - don't worry, you can set up a direct debit to do this.

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Top comments
avigdors1234 m ago

KEEP OFF CREDIT CARDS IS THE BEST WAYLIVE WITHIN YOUR MEANS


Crap post. These deals are helpful to people who already have debt and want to minimise the interest paid on it.
avigdors1232 h, 46 m ago

KEEP OFF CREDIT CARDS IS THE BEST WAYLIVE WITHIN YOUR MEANS


Depends if you know how to use a credit card properly
KEEP OFF CREDIT CARDS IS THE BEST WAY
LIVE WITHIN YOUR MEANS
avigdors1231 h, 2 m ago

KEEP OFF CREDIT CARDS IS THE BEST WAYLIVE WITHIN YOUR MEANS


Yes but when life throws a crisis at you and you need access to emergency cash credit cards are better than borrowing from the local loan shark or obliging family who themselves may be struggling. When used responsibly, credit cards are a great way to help you manage your cash flow, get extra cover on purchases, build a financial history and to get you through tough financial times.
27 Comments
KEEP OFF CREDIT CARDS IS THE BEST WAY
LIVE WITHIN YOUR MEANS
avigdors1234 m ago

KEEP OFF CREDIT CARDS IS THE BEST WAYLIVE WITHIN YOUR MEANS


Crap post. These deals are helpful to people who already have debt and want to minimise the interest paid on it.
avigdors12313 m ago

KEEP OFF CREDIT CARDS IS THE BEST WAYLIVE WITHIN YOUR MEANS


wish someone had told me that 10 year ago
kocher10 m ago

wish someone had told me that 10 year ago



Better late than never.

HUKD
Then once you have your account phone them and ask to trade it to a Barclaycard Freedom Rewards so every time you spend you earn points!

I had a Barclay Platinum card for years not knowing anything about the rewards version, called them and changed to the new card, and so far have £60 in rewards for doing absolutely nothing different from previous! The amount I must have lost in points/rewards
avigdors1231 h, 2 m ago

KEEP OFF CREDIT CARDS IS THE BEST WAYLIVE WITHIN YOUR MEANS


Yes but when life throws a crisis at you and you need access to emergency cash credit cards are better than borrowing from the local loan shark or obliging family who themselves may be struggling. When used responsibly, credit cards are a great way to help you manage your cash flow, get extra cover on purchases, build a financial history and to get you through tough financial times.
avigdors1232 h, 46 m ago

KEEP OFF CREDIT CARDS IS THE BEST WAYLIVE WITHIN YOUR MEANS


Depends if you know how to use a credit card properly
I use it for any purchases over £100 to cover myself - and pay them off that month - so it really all depends on how you use it
avigdors12319th Dec

KEEP OFF CREDIT CARDS IS THE BEST WAYLIVE WITHIN YOUR MEANS


Do you, by any chance, have a mortgage?
Good card still with low rate...
Tbh, I don't fancy 1.4%... this will eventually spiral out of control.. by the end of the term the compound interest will mount up to a significant amount of cash...

Cold. Sorry.

Kindest regards
Just transferred from a Barclaycard to TSB - got 34 month 0% with no fee.
Not it sure if still live offer but worth checking out if you want to save the 1.4% for a similar 0% period
firstofficer2 h, 22 m ago

Tbh, I don't fancy 1.4%... this will eventually spiral out of control.. by …Tbh, I don't fancy 1.4%... this will eventually spiral out of control.. by the end of the term the compound interest will mount up to a significant amount of cash...Cold. Sorry.Kindest regards


You’ve not understood the deal. You pay an upfront one off 1.4% fee (once they’ve credited you back) and then it’s 0% for the remainder of the term. >3years!

Then, for example, you pay minimum monthly payments on this and use any ‘spare’ cash to throw at other (higher interest rate) debt.
Edited by: "mcm900" 18th Feb
firstofficer3 h, 4 m ago

Tbh, I don't fancy 1.4%... this will eventually spiral out of control.. by …Tbh, I don't fancy 1.4%... this will eventually spiral out of control.. by the end of the term the compound interest will mount up to a significant amount of cash...Cold. Sorry.Kindest regards



1.4% on the balance transfer then it's fee for 38 months

Eg transfer 1000£ + 1.4% = 1014 and that's interest free for the 38 months, so you would have it cleared £27 a month..
I see.

Apologies. I stand corrected.
It's actually a decent deal..

Cold changed to heat...

Kindest regards
avigdors12319th Dec 2017

KEEP OFF CREDIT CARDS IS THE BEST WAYLIVE WITHIN YOUR MEANS


Generally I agree with this troll. But a savy person can use debt to their advantage...
dominickelly1 h, 59 m ago

Generally I agree with this troll. But a savy person can use debt to their …Generally I agree with this troll. But a savy person can use debt to their advantage...


So if someone disagrees with your opinion or that of a group of people, they instantly become a troll? Give off.
firstofficer5 h, 18 m ago

I see.Apologies. I stand corrected.It's actually a decent deal..Cold …I see.Apologies. I stand corrected.It's actually a decent deal..Cold changed to heat...Kindest regards


Would love to know how you managed to change from cold to hot...

Ah yes, because you cannot on HUKD.
ajavaid922 h, 7 m ago

Would love to know how you managed to change from cold to hot...Ah yes, …Would love to know how you managed to change from cold to hot...Ah yes, because you cannot on HUKD.




It was simply a figure of speech... Not to be taken literally... As everyone is well aware a vote cannot be changed once casted...

With kindest regards..
ajavaid9223 h, 12 m ago

So if someone disagrees with your opinion or that of a group of people, …So if someone disagrees with your opinion or that of a group of people, they instantly become a troll? Give off.


To clarify, I felt this was troll like because a) you were ‘shouting’, b) you made a very sweeping statement without any actual argument c) there was no punctuation or grammar d) you seemed to show no sympathy to those actually in debt and who know too well the dangers of credit and e) the statement you made implies no-one should ever use credit cards, which is quite clearly ridiculous.

Apologies, if I offended you with the troll comment. Again, generally I agree with you, but I would suggest that your view on credit could be rather too binary.
Edited by: "dominickelly" 19th Feb
avigdors12319th Dec 2017

KEEP OFF CREDIT CARDS IS THE BEST WAYLIVE WITHIN YOUR MEANS


It is perfectly possible to live well within your means whilst still using credit cards .

In fact if you are disciplined with your cashflow and have a good enough credit history to enable you to have a worthwhile credit limit and interest free period you can use the availability of credit to make yourself money.

Granted if your cashflow is around average you wont be making a mint . But it's better in your pocket .

Interest free BT deals like this are also great for people who might not have heeded the advice to live within their means or might have had emergencies . Deals like can save you a fortune in interest
Edited by: "muz379" 20th Feb
avigdors12319th Dec 2017

KEEP OFF CREDIT CARDS IS THE BEST WAYLIVE WITHIN YOUR MEANS


That's too a simplistic statement to be of any use. The credit act provides extremely useful protection if you experience problems with the service or good purchased.

If however you are not disciplined when using credit cards they can cause bad debts. I just don't get why some companies give over large credit limits based on someone's income and the other crefit cards they may have (they see this information when they check your credit file).
Edited by: "afroylnt" 20th Feb
i got good credit rating, but as self employed find these hard to get? anyone had success in that situation? thanks
Pointless paying a fee 1.85% to get an extra 8m.. 29 months 0% balance transfer no fee at Halifax or 28m Sainsbury’s

Can always get a new card near end

I’ve heard nonsense that these offers will stop for the last 20 years but they haven’t.. only the term had changed
Can I transfer the balance from my Hubby's credit card if this one is on my name?
ArnoldElizabeth_Djaffa19 m ago

Can I transfer the balance from my Hubby's credit card if this one is on …Can I transfer the balance from my Hubby's credit card if this one is on my name?


Don't think so....pretty sure it all needs to be in same person's name. Can your husband open an account like this?

For anyone that votes cold really doesn't know how these things work and should just avoid rather than voting cold and writing inane speil. I opened an account like this with virgin recently and transferred £6k. I'm paying it off each month so by the time the 0% comes to an end in a couple of years the £6k 'debt' will have been completely paid off. That's great but what's greater is I have an extra £6k in capital I can use today to put towards a deposit on a house. These balance transfer deals are fantastic if you know how to use them, esp when fees are so low (or 0% in my case, though not 0% for as long as period as this card).
avigdors12319th Dec 2017

KEEP OFF CREDIT CARDS IS THE BEST WAYLIVE WITHIN YOUR MEANS


Living within your means suggests not buying anything unless all the money for what you want is accumulated. What do you think a mortgage is? CREDIT. If you want to rent a house off someone smarted than you until you've saved £200,000, go right ahead.
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