Lloyds 0% interest for 29 months on Balance transfers and Purchases
455°Expired

Lloyds 0% interest for 29 months on Balance transfers and Purchases

20
Found 10th Jan
Lloyds Bank Platinum credit card is offering a long 0% deal on balance transfers and purchases for 29 months.

Credit Card offer entails:

- 0% on purchases for 29 months
- 0% on balance transfers for 29 months, with a 2.5% fee (within 90 days)

A great credit card deal if you already/want to bank with Lloyds Bank and are planning on making some large purchases in the near future, which you won’t have to pay off for 2 and half years!

If you are planning on doing a BT there are better deals out there but great length of time to pay off.

minimum payment must be paid each month or 0% deal will end.

*Above length of time is “up to” and depends on individual circumstances
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They have a 0% balance transfer only card for about 26 months with no fees as well
20 Comments
They have a 0% balance transfer only card for about 26 months with no fees as well
Thanks for sharing
Original Poster
DingIs17 m ago

They have a 0% balance transfer only card for about 26 months with no fees …They have a 0% balance transfer only card for about 26 months with no fees as well

Still get 3 months 0% purchase with them credit cards as well so good deal too
Heat added
Not such a great deal with Lloyds (I can compare with two other banks). They give low credit limit. I got only £1000 so I feel I caused unnecessary credit check, which obviously affected my credit score. Was not worth it in the end.
Edited by: "grumpy_JO" 11th Jan
I've just tried to apply for this but it seems you are unable to do so via the online system if you already hold a credit card with Lloyds.
grumpy_JO1 h, 13 m ago

Not such a great deal with Lloyds (I can compare with two other banks). …Not such a great deal with Lloyds (I can compare with two other banks). They give low credit limit. I got only £1000 so I feel I caused unnecessary credit check, which obviously affected my credit score. Was not worth it in the end.


Who gave a higher one? Halifax only gave me £1000. Then went up to £1500 after a few months.
Edited by: "andysmoore" 11th Jan
grumpy_JO2 h, 10 m ago

Not such a great deal with Lloyds (I can compare with two other banks). …Not such a great deal with Lloyds (I can compare with two other banks). They give low credit limit. I got only £1000 so I feel I caused unnecessary credit check, which obviously affected my credit score. Was not worth it in the end.


I got a £1200 limit. Always handy to have in my wallet.
I'd rather drive rusty nails into my scrotum than do business with Lloyd's. They tried to bang me out of £800 the thieving scoundrels, and then have the audacity to send third party debt collectors after me when I refused to pay them something I didn't owe. They backed off when I threatened them with court action, but they tried hard to extort my money first. Cold as ice for me
Edited by: "Dekard97" 11th Jan
Dekard971 h, 3 m ago

I'd rather drive rusty nails into my scrotum than do business with …I'd rather drive rusty nails into my scrotum than do business with Lloyd's. They tried to bang me out of £800 the thieving scoundrels, and then have the audacity to send third party debt collectors after me when I refused to pay them something I didn't owe. They backed off when I threatened them with court action, but they tried hard to extort my money first. Cold as ice for me


Agree, they eat you alive and drag you to eternity debt without knowing anything about it... Sneaky fu***rs
Dekard972 h, 14 m ago

I'd rather drive rusty nails into my scrotum than do business with …I'd rather drive rusty nails into my scrotum than do business with Lloyd's. They tried to bang me out of £800 the thieving scoundrels, and then have the audacity to send third party debt collectors after me when I refused to pay them something I didn't owe. They backed off when I threatened them with court action, but they tried hard to extort my money first. Cold as ice for me


Do expand on the banging?
Dekard972 h, 32 m ago

I'd rather drive rusty nails into my scrotum than do business with …I'd rather drive rusty nails into my scrotum than do business with Lloyd's. They tried to bang me out of £800 the thieving scoundrels, and then have the audacity to send third party debt collectors after me when I refused to pay them something I didn't owe. They backed off when I threatened them with court action, but they tried hard to extort my money first. Cold as ice for me



Thanks for sharing, simply dreadful.
# tetinius injection needed ASAP, note to self make appointment with GP # MAKES ONES EYES WATER # Ice pack needed # is there a Doctor in the house?
Edited by: "deany76" 11th Jan
grumpy_JO6 h, 27 m ago

Not such a great deal with Lloyds (I can compare with two other banks). …Not such a great deal with Lloyds (I can compare with two other banks). They give low credit limit. I got only £1000 so I feel I caused unnecessary credit check, which obviously affected my credit score. Was not worth it in the end.


Lloyds are a very responsible lender compared with many other entities. Once you build trust with them, they'll happily up your limit, but they're not generally after quick short-term business. A great bank in my opinion, if I didn't end up on the TSB side of the fence after the de-merger, I'd have probably stayed with them out of loyalty. As it happens, it made me check the market instead and moved to Santander. Still use Lloyds Avios as my main credit card though.
Edited by: "jazlabs" 11th Jan
Dekard972 h, 45 m ago

I'd rather drive rusty nails into my scrotum than do business with …I'd rather drive rusty nails into my scrotum than do business with Lloyd's. They tried to bang me out of £800 the thieving scoundrels, and then have the audacity to send third party debt collectors after me when I refused to pay them something I didn't owe. They backed off when I threatened them with court action, but they tried hard to extort my money first. Cold as ice for me


There are two sides to every story. I believe that you didn't owe them any money, but I'd guess there is some missing truth here as to how you approached the situation. I would hazard a guess that if there was a genuine error on their part, and you had visited a branch or phoned them, you would not have been contacted by debt collectors. Instead, I suppose you possibly ignored it or didn't properly follow procedure and only started worrying about sorting it out when you realised you could get in some serious bother. I could be wrong, but I've heard this sort of story many times. This post isn't to start debate with you, merely a contribution for other members of the community that may think this would actually happen to them under normal banking circumstances.
grumpy_JO8 h, 35 m ago

Not such a great deal with Lloyds (I can compare with two other banks). …Not such a great deal with Lloyds (I can compare with two other banks). They give low credit limit. I got only £1000 so I feel I caused unnecessary credit check, which obviously affected my credit score. Was not worth it in the end.


Didn't offer me much either..
andysmoore7 h, 24 m ago

Who gave a higher one? Halifax only gave me £1000. Then went up to £1500 a …Who gave a higher one? Halifax only gave me £1000. Then went up to £1500 after a few months.


Every other CC company I've tried in teh last year or two (including just 2 months ago) has offered around 3 or 4 times what Lloyds have, I feel like I've wasted a hit on my score as well...
steven.bradley-lucas9 h, 49 m ago

Still get 3 months 0% purchase with them credit cards as well so good deal …Still get 3 months 0% purchase with them credit cards as well so good deal too



Be VERY careful about doing that, check EXACTLY what the repayments you make will go towards, you can get right royally scr3wed with that type of card...
Original Poster
I can’t comment as to why they are offering less than other companies, it may be a better offer for people who currently bank with Lloyds and don’t already have a credit card.

I’ve been with Lloyds about 16 months and was given a higher credit limit amount then I applied for, swings and roundabouts and obviously each persons circumstances/credit rating is different.
jazlabs5 h, 32 m ago

There are two sides to every story. I believe that you didn't owe them any …There are two sides to every story. I believe that you didn't owe them any money, but I'd guess there is some missing truth here as to how you approached the situation. I would hazard a guess that if there was a genuine error on their part, and you had visited a branch or phoned them, you would not have been contacted by debt collectors. Instead, I suppose you possibly ignored it or didn't properly follow procedure and only started worrying about sorting it out when you realised you could get in some serious bother. I could be wrong, but I've heard this sort of story many times. This post isn't to start debate with you, merely a contribution for other members of the community that may think this would actually happen to them under normal banking circumstances.


I was pretty lucky with my experience, as it was only £800. There are many people who lost far more than that by dishonest bankers. What about PPI? That's an example of dishonest banking right there. They took thousands off people without telling them! If you think banks are just a bunch of nice old guys who lend people money, you're wrong.
Dekard973 h, 49 m ago

I was pretty lucky with my experience, as it was only £800. There are many …I was pretty lucky with my experience, as it was only £800. There are many people who lost far more than that by dishonest bankers. What about PPI? That's an example of dishonest banking right there. They took thousands off people without telling them! If you think banks are just a bunch of nice old guys who lend people money, you're wrong.


I’m not saying banks are a bunch of nice guys at all. I don’t recall saying anything that would imply that, but in the most part they don’t just ‘steal’ your money or randomly send debt collectors after people that don’t owe them money, that is certainly the ‘exception’. PPI was indeed a scandal, but I’m not sure ‘took thousands off people without telling them’ is entirely accurate. What they did was opt you in without consent, if you’d check your relevant statements and agreements, it would have been mentioned.
Edited by: "jazlabs" 11th Jan
andysmoore19 h, 26 m ago

Who gave a higher one? Halifax only gave me £1000. Then went up to £1500 a …Who gave a higher one? Halifax only gave me £1000. Then went up to £1500 after a few months.


Virgin Money served me with £4000 with over 2 years of 0% interest on purchases.
Tesco was quite generous £6000 with over 2 years of 0% interest on purchases, just after I had that card from Virgin.
But I am responsible lender. Will earn it and give it back before they charge me.
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