Britains LONGEST EVER 0% interest balance transfer card - 3 YEARS with Barclaycard!
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Britains LONGEST EVER 0% interest balance transfer card - 3 YEARS with Barclaycard!

268
Found 14th Feb 2015
This is Britains LONGEST EVER 0% interest balance transfer card - now an astounding 3 years interest free! ALSO 0% interest for 6 months on purchases!

Looking for a card that could help you regain control of your credit card balances? With 0% interest on balance transfers for 3 years, our Platinum balance transfer offer could help you make considerable savings over a year. With Platinum you can enjoy:

0% interest on balance transfers for 3 years from account opening (2.99% fee applies. We’ll first apply a 3.5% fee but then reduce this to 2.99% by a refund – terms and conditions apply)

0% interest on purchases for six months from account opening

Contactless payments so you can use your card to make quick and easy purchases of £20 and under

A way to pay with your mobile – you can request a Barclaycard PayTag, a handy sticker that turns your mobile into an easy way to pay

mybarclaycard online servicing – your account, your way – to help make staying on top of your account that bit easier, you'll receive your monthly statements online through mybarclaycard. So we need your email address to send you an alert to let you know when your latest statement is ready to view. If you'd prefer to receive a copy of your statement by post, you can change this as a preference in mybarclaycard when you register

NO CASHBACK AVAILABLE FOR THIS DEAL. You can receive cashback for the 35m Balance Transfer card but NOT this 36 month.

268 Comments

I know I can't transfer a balance from an existing Barclaycard credit card but can I apply for this card and be accepted so I can transfer another balance I have from a Nationwide card which has finished it's interest free period?

Just reading about this on the daily mail and sounds good.

JohnnyUtah

I know I can't transfer a balance from an existing Barclaycard credit … I know I can't transfer a balance from an existing Barclaycard credit card but can I apply for this card and be accepted so I can transfer another balance I have from a Nationwide card which has finished it's interest free period?


As long as the Nationwide isnt part of the same group as Barclaycard, ie you cant transfer from an MBNA card to another MBNA card.

only have one credit card and always pay the balance every month. can someone be kind enough to explain how i can make use of this instead of a loan. thank you in advance

stuarthanley

They won't give you a second Barclaycard


errrr yes they will. i have 2.

JohnnyUtah

I know I can't transfer a balance from an existing Barclaycard credit … I know I can't transfer a balance from an existing Barclaycard credit card but can I apply for this card and be accepted so I can transfer another balance I have from a Nationwide card which has finished it's interest free period?


yes you can apply for a second as tes you can transfer from nationwide.

I really wish we'd stop living off the promise of future earnings. Have we learnt nothing from the recession?

Step 1 is stop borrowing at every opportunity.

donslibi

I really wish we'd stop living off the promise of future earnings. Have … I really wish we'd stop living off the promise of future earnings. Have we learnt nothing from the recession?Step 1 is stop borrowing at every opportunity.


I kinda agree but I am also guilty. I know my parents generation never had the use of CC and they saved and paid off their mortgage and have a nice retirement. Most people I know who have CC have loads of debts and no savings.They have everything they want now but I wonder what will happen in the future.

JohnnyUtah

I know I can't transfer a balance from an existing Barclaycard credit … I know I can't transfer a balance from an existing Barclaycard credit card but can I apply for this card and be accepted so I can transfer another balance I have from a Nationwide card which has finished it's interest free period?



Yrs

stuarthanley

They won't give you a second Barclaycard



Why? I have about 4...

mrdanphillips

only have one credit card and always pay the balance every month. can … only have one credit card and always pay the balance every month. can someone be kind enough to explain how i can make use of this instead of a loan. thank you in advance



Buy loads on ur existing credit card them transfer that balance on to the Barclaycard.

donslibi

I really wish we'd stop living off the promise of future earnings. Have … I really wish we'd stop living off the promise of future earnings. Have we learnt nothing from the recession?Step 1 is stop borrowing at every opportunity.




Yawn, nothing to do with this deal.

Comment

stuarthanley

They won't give you a second Barclaycard



Yes the will. I have a rewards card and this card

JohnnyUtah

Yawn, nothing to do with this deal.



yawn, yes it does, for proof, read the post immediately preceding yours
Edited by: "dazzer1975" 14th Feb 2015

mrsuave

Why? I have about 4...



about 4?????? you don't know how many credit cards you have??? 0.0

Great deal if you need a cheap loan and disciplined, I did it on the 33 month deal and had been great

mrdanphillips

only have one credit card and always pay the balance every month. can … only have one credit card and always pay the balance every month. can someone be kind enough to explain how i can make use of this instead of a loan. thank you in advance



It'd be better to opt for a 0% Money Transfer card rather than a 0% Balance Transfer card. The best deals at the moment can be found on MSE page here - moneysavingexpert.com/loa…sts and a bit more info here - moneysavingexpert.com/loa…ans

Edited by: "adnaan_23" 14th Feb 2015

mrsuave

Why? I have about 4...


You have 4 Barclay credit cards??

y_am_I_buying_this

errrr yes they will. i have 2.



You're right. I have 3.

I believe you can have more than one Barclaycard if you had an original Barclaycard and a credit card from a company that Barclaycard have now purchased such as Egg but i don't think you can have a Barclaycard and then be granted a further Barclaycard. I may be wrong but I know MBNA won't allow it.

just got this card !

Comment

stuarthanley

They won't give you a second Barclaycard



Oh yes they will, as long as you pass their prerequisite score in the application and you've been running your first account well

Wouldn't it be better to go for the 35 month one has the fee is only 2.49% suppose it depends how much is owing.

stuarthanley

I believe you can have more than one Barclaycard if you had an original … I believe you can have more than one Barclaycard if you had an original Barclaycard and a credit card from a company that Barclaycard have now purchased such as Egg but i don't think you can have a Barclaycard and then be granted a further Barclaycard. I may be wrong but I know MBNA won't allow it.


In theory this should be true but I also have a few Barclaycards & other multiple cards.I had near 20 cards at one point ( nothing to be proud of) a lot with the same organisation.Shows that they dont really do their checks.

kneale81

CommentOh yes they will, as long as you pass their prerequisite score in … CommentOh yes they will, as long as you pass their prerequisite score in the application and you've been running your first account well


That's just mental. Why would they allow you 2 cards? Surely they should just extend your credit limit! (I suppose its more debt they can recover but its irresponsible on their part)

One thing to note with this is that if you ever miss a payment, not only will you be charged the £12 Late Payment fee, but your 0% term will end. Leaving you with whatever rate they provided you with (you could be given a higher rate than quoted as it is subject to status etc)
Other providers do not do this if you miss a payment, so I would say to consider this aswell. You can easily set up a DD with Barclays, but just make sure you've got the money there to cover it! haha

I bought a car and then transfered the balance on the 32 month interest free card.
I'm now paying enough to finish paying at month 19.
Saved me paying interest to the finance company

I have had a Barclaycard for ~ 10years it has had no balance on it for quite a few years, I have never been offered a deal like this I'm gonna ring and close it out of protest!
Edited by: "CheapoChaser" 14th Feb 2015

OrribleHarry

I have had a Barclaycard for ~ 10years it has had no balance on it for … I have had a Barclaycard for ~ 10years it has had no balance on it for quite a few years, I have never been offered a deal like this I'm gonna ring and close it out of protest!

that'll learn 'em!

Ribs85

that'll learn 'em!



I know it won't but hopefully they will ask why and give me the deal or if they don't I can apply as new customer and get the deal!

Not sure what for mind maybe buy a car or holiday or something else I don't actually need lol

This comes with £31.50 topcashback.... Don't forget.

Great offer. I took up a similar offer from BC last year as a cheap loan. As has been said set up a direct debit for the minimum amount so you do not miss a payment and top up with however much you want to pay off each month. If you miss a payment they start charging interest. Also check the t&c for the 6 month interest free shopping. I got caught once where the shopping balance wasn't actually paid off until the longer term interest free part was paid off. So I ended up paying interest on the shopping balance after the 6 months until I paid off the larger interest free balance. They may have stopped doing that now. Heat added.

Can you have more than one Barclaycard?

Original Poster

DarrylJohn

This comes with £31.50 topcashback.... Don't forget.




Cool! You can edit the thread to say that, thanks!

rhinopaul

I kinda agree but I am also guilty. I know my parents generation never … I kinda agree but I am also guilty. I know my parents generation never had the use of CC and they saved and paid off their mortgage and have a nice retirement. Most people I know who have CC have loads of debts and no savings.They have everything they want now but I wonder what will happen in the future.



As I always say live for today as tomorrow may never come. Enjoy yourself now as life is to short.

Could someone tell me if there is anything to stop you taking out a bunch of money on one card, putting it in an ISA/savings account, then transferring to this card.

If not, is there a max balance transfer?

stphnstevey

Can you have more than one Barclaycard?



Yes.

Very generous offer for getting out of debt!

ITS NOT FREE!!!

Advertising these deals as 0% should be outlawed

• 0% interest on balance transfers for 3 years from account opening (2.99% fee applies. We’ll first apply a 3.5% fee but then reduce this to 2.99% by a refund

Hey everyone want to borrow £1000 for free. That's ok ill charge you a £1001 admin fee.

y_am_I_buying_this

errrr yes they will. i have 2.


I've got four....just sayingoO
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