Credit card balance transfers ~ 0% for 18m with fee free* (*2.98% charged on transfer and then refunded after 90 days) on Post Office platinum card, best longish term fee free card available + £25 quidco cashback
74°Expired

Credit card balance transfers ~ 0% for 18m with fee free* (*2.98% charged on transfer and then refunded after 90 days) on Post Office platinum card, best longish term fee free card available + £25 quidco cashback

9
Found 8th Jul 2015
These are pretty good cards anway as you dont get charged cash advance fees on foreign currency bought from the post office so ideal for your jollies.

also includes 3m interest free purchases

9 Comments

* An initial 2.98% fee applies, but we'll reduce this to 0.0% by a refund to your Post Office Money Platinum Account within 90 days of the balance transfer transaction date

Do I need to have some sort of post office bank account to receive the refund? Or does that just mean back onto the card?

That is the card itself. I use my PO card for all spending abroad as there's no rate loading or foreign transaction fee. I use my nationwide flexaccount card for cash withdrawals. Perfect combination.

Hmmm, yes. I think I am going to do a bit of stoozing.

Original Poster

androoski

Hmmm, yes. I think I am going to do a bit of stoozing.


Bit of a silly term,, used to refer to it as "taking the pi55" as youd get 5% interest on savings and 3 year interest only on BT with no fees.

Not really sure that its worth trying to make money from interest alone although if you have other money making schemes it provides free capital.

certainly good for reducing personal borrowing costs

Thanks - voting hot Free Balance Transfers are hard to find!

I have a 4k limit 0% purchases that ends next year, is it likely i could get a similar limit or usually only possible to transfer a percentage of the debt

If anyone wants to know why and how lenders can offer 0% on transfers have a look up of securitisation. The road to another crash, we never learn.

Applied for this on the 6th, was given a credit limit of £3,700 but then got an error message. No e-mail acknowledgement: nothing, so tried applying again & was declined (turns out my original application was successful, but anyone else had problems with their website?).

Quidco actually tracked at £30. Don't know why this isn't hotter.

jackvdbuk

I have a 4k limit 0% purchases that ends next year, is it likely i could … I have a 4k limit 0% purchases that ends next year, is it likely i could get a similar limit or usually only possible to transfer a percentage of the debt



You can transfer all the debt if you have a high enough credit limit, usually up to 95% of credit limit on card you are transferring to. This post office card only allows you to transfer debt up to credit limit less £200.
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