Barclays Deals & Offers

I don't think so.

Looking for any spare just eat codes and happy to swap with a wuntu code? Please pm Thanks ks in advance

Does this include Barclaycard credit card accounts?

anyone got the cashback from this? didnt track for me and no easy way to get in contact. Barclays cashback looks pretty poorly managed

They've started doing that where I live there sick of them....

You are confusing the refund on the balance transfer fee with the £20 cashback. Balance transfer within 60 days, you will initially be charged a 2% fee which will then be refunded within 28 days. Transfer a balance of £1000 or more within 60 days and receive £20 cashback.

So you have to transfer £1000 at a fee of 2% to get £20... err hardly deal of the year!... you can't use the £20 to pay down your balance, infact unless you transfer exactly £1000 you either don't get the £20 to pay the fee or you get a larger fee than £20.

“0% interest free doesn’t apply to cash withdrawals” it’s very clear, all travel credit cards not only this one, if you withdraw cash you will pay interest until you clear the cash balance, the only way if you need to withdraw cash without paying interest is to send the equivalent payment in Sterling at the same day of the withdrawal

Credit card would only cover you for transactions after you notified them, so what if they rack up £1000 before you realise your card's been nicked? With Revolut they can only nick what you have left on the card.

Whilst that is true, there has been a few times where I have raised an issue for transactions under £100 and the CC company has stepped in for a successful resolution. The fact there is a higher chance of a successful outcome makes it a must.

Fair. If you did however, you could also save money that way too... :D

I dont buy high value items in any currency other than sterling.

Good only if you are an existing customer of Barclays. Otherwise, I would wait for a switching incentive.

Blue rewards are brilliant if you use Barclays products, I've had quite a large sum back so far :)

Been using blue rewards for about a year. It’s a no brainier if you’re an existing Barclays customer, but not something to necessarily make you change bank for if not

It provides additional cash back if you hold its mortgage and/or home insurance

Thanks for clarifying

Fix for 5,7 or 10 years then overpay all you can up to the usual10% limit on a standing order, savings rates are so low it's better to service the debt with any spare money. If you agree formally with the lender to reduce the term you can't back out if money is tight wheras the standing order has the same effect but you have control. Money saving expert has a calculator tool that shows the benefit of overpaying, my 11 years remaining at £270 per month becomes just over 5 years with an additional standing order overpayment of £200 per month.

if you find one like this with no fee , thatll do me as well.

Furthermore: you say you've nearly paid your mortgage off. Did you get an inheritance or have rich parents? If not, well then, you can see the irony in my assumption, surely? Btw - your sympathy is a little bit overbearing in the smug department too.

I understand your view and I still forgive you. An apology for calling me a "tool" would also be appreciated. For future reference, you could have responded with "a mortgage is a loan secured against an asset, usually a house, that allows people to buy a house". Would have been more fun.

I think you missed the point. Whenever there is a mortgage deal there is always someone bragging about being mortgage free and usually with comments similar to yours. That might explain the number of 'likes' and perhaps a misunderstanding of your comment. For the record, I will be shortly be mortgage free although looking at the possibility of moving (and therefore increasing my mortgage) but it's affordable and I have a good LTV too. It's not a 'sore' subject by any means and certainly not affecting my ego. I am grateful I am not starting on the housing ladder now. It's virtually impossible for people unless they have parents who can make a significant contribution to the deposit. That's not something my parents had to do but something I am likely to have to do for my own children. Having a mortgage for the majority of working life is a massive commitment. Many people struggle during the period they are raising a family and with a reduced income. Being mortgage free and bragging on here is really quite pathetic though. If of course you aren't bragging and are actually struggling to obtain a mortgage then you have my sympathy.

Not voted either way, but whether you would save with this low rate 2 year deal with £999 fee would depend on the amount borrowing. Just checked on HSBC and they are still doing their 5 year fixed fee saver for 60% LTV at 1.99%. On £150k mortgage OP's deal would save you £201 over the first two years taking the fee into account. But if only borrowing £90k you would pay back £279 more on OP's deal compared to HSBC, plus with 5 year fixed you would still have a fairly low rate locked in for another 3 years, assuming interest rates start to creep up over the next 2 years.

Agreed IF there are other mortgage deals available at same interest rate with no fees....not sure if is or not haven't looked, but I thought from recollection there were 2 year deals at 0.98% if you had 50%+ equity. If no fee deals are at a higher interest rate then this may actually be the cheaper option.

I’d expect a mortgage with no fee if I had a 50% deposit! £999 fee on a 2 year fixed mortgage is adding another £41 pm into your repayments! I got a 2.0%apr rate on a 5 year deal with no fee,Granted I had 35%LTV mortgage but still £999 is a ridiculous fee on a 2 year deal.

Taking a 2 year mortgage right now will leave you walking straight into an interest rate minefield in 2 years - 5 years is the sweet spot, build up plenty of equity to offset the further interest rate hikes .... they're only going one way, up!!

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).

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

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

i got good credit rating, but as self employed find these hard to get? anyone had success in that situation? thanks

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).

'cos the CB has dropped to 1%.. however you are right that the Curry's deal is still on..

why has this been expired?

Are you kidding- the deal is easily verifiable without asking for confidential information (receipt). So if I do provide you the details (and you are proved "wrong") will you stop trolling & delete your account on HUKD?

Photos of receipt and laptop or I'm right again. Been loads of these this passed two weeks, and given your new account and complex nature or achieving this deal, I would be suprised if this isn't spam.

not as non existent as the shiny new Mac I am typing this on right now ;)

For 90% LTV it seems good.

Is that good? We are only paying 1.59%. I know rates went up a quarter point, but even so.

You might need to consider a valuation fee as well within comparison as not all companies charge one.

How long pass the due date should i start to worry about cashback? Never used any cashback service until november.

Yes, if you abide by the terms.

Does this actually work?

Tried this with House of Fraser on a £35.40 order, paid with £30 in gift vouchers and the rest by credit card. Tracked at 54p so gift voucher payment seems to be excluded.

No reason why not. You can pay however you like so can’t see any reason a gift code wouldn’t work. Just can’t use a discount code.

Unfortunately, the double rewards offers looks to be for new Blue Rewards customers only. Check out the Important Information section. Important information Offer valid for new Blue Rewards members only.

​Sorry, should have said that in my Original post. But, surprise existing customers DO get the double reward as well, as best as I can understand. Shocking, I know 😋 Also, if you pay insurance premiums. But you haven't been on hukd long if you do that (single/annual premium work out cheaper i.e the APR for monthly premium is high Blurb from the offer page Insurance reward – up to £3 a month You’ll get up to £3 a month when you take out or renew buildings or contents cover. Platinum Barclaycard with Barclays Blue Rewards Get £1 cashback every month you spend on your card for up to 24 months from opening your Barclaycard account.

I joined blu rewards 2 weeks ago, just in time to miss that offer :)

Do exisitng blue reward customers get the double reward for the direct debits?

But if you're already in a fix they won't allow you to go to this without paying exit fees. You think if they locked you in for ten years it would just change your mortgage without any penalties.

I just tried barclays I done an aip and they are offering me £60,000 less than my current mortgage!!! Say that’s all I can afford even though I’ve been over paying my current lender £200 a month on top of my mortgage. Idiots . 51% LTV as well no risk to them at all. Sticking with my 1.35% instead . Was going to get their 5 year fixed 1.79%.

It needs to go back up in case there's no deal in 2019, in which it'll go back down again

Depending on how much you need to borrow, First Direct has some fee-free ones - by comparison the 60% LTV one from them is 2.49%. Say you want to borrow £120k, the difference in monthly payments is about £6. Over 10 years that works out less than the arrangement fee for Barclays. Also FD's ERC charges are 3% for the first year and 2% after that, and they allow unlimited over-payments if you can afford that. The Barclays rates are on the MSE mortgage comparison tool along with TSB one at the same rates, so it may not be just for existing customers either.

They have been saying that for a while but know it will be to big of a shock in the next few years

Nope, stock Motorola Z, fully up to date It's 100% not my device lol, check the feedback on the play store

Are you using a rooted android? then it won't work, my app works fine on s7 edge, unrooted .

I wouldn't know; last time I checked, the app can't installed on rooted devices. The FirstDirect app, on the other hand, dies. This info may be relevant to some. Or perhaps not :-) The deal's hot though.

Actually coming up to the end of my 0% period with Barclaycard - Had no issues with either the mobile app or the website to manage my account. If you're worried about getting declined for a credit card - my advice would be to use one the three free credit report sites: Noddle (CallCredit) MSE Credit Club (Experian) Clearscore (Equifax) Not only will you get a free copy of your credit report for all CRAs, they also assess your eligibility for credit cards and may offer some with 100% gurantee that you will be offered it. This is ultimatley how they make their money, yes you don't get cashback, they get the kickbaclk instead but at least you know you've 100% got a card. Alternativley, if you find a lender with high elgibility on their site, just go though Quidco/TCB yourself to get the reward.

where does all that money come from for the banks to give away?!

Cold as it's a Tottenham game. If it was an arsenal game I'd vote hot

And can't sell it out

To find out who finished first

From what I've seen, I believe they're just restricting sales for the category A / big games to prevent Chelsea fans (etc) from buying tickets in the Spurs end as that's obviously potentially problematic! I don't think it's so much of an issue for games like this.

If a 'poor' team finishes 2nd whats the point of going to watch any team play?!

Yes but not by choice but necessity to keep business strong. All the while Uber is reaping a small cut for themselves. I'm not saying that is a bad thing, but it's vital that the UK cab firms set up their own rival(s) to Uber, otherwise long term Uber will just monopolise and squeeze the cab firms as much as they dare and consumers will notice they're paying more too...always happens when there is zero competition... i.e eBay lol.

Uber needs to increase the fares to at least match other taxi firms because currently they're ridiculously low.

I think the uber model is not just for the taxi trade but will eventually be adopted by the economy as a whole and it will lead to vast job losses in the future through extensive automation. Truck drivers, deliver drivers, admin jobs and anything that is repetitive can easily be automated. I don't think its avoidable as the current trends show the consumers want the cheapest price rather than paying a bit extra to support an actual job/person. Politics obviously can change all this and we all know what happens when people lose well paid jobs in defunct industries (Donald Trump)

In the long term uber wants to utilise driverless cars, whilst I don't think they will replace the whole taxi fleet with driverless cars , it will lead to lower fares for the customer as the biggest cost is the driver. With more people opting to use the driverless cars, the drivers will make less money and eventually a lot of people will have to leave the trade but this could be 15/20 years down the line. I'm glad to say that I will be quitting the taxi trade in August as I have secured a job elsewhere

When Uber was launched in Leeds the rate for fares were decent but now they're quite low and uber does charge 25% yes 25% commission on all fares so on a £3 fare the driver only takes homes £2.25 and imagine having to wait 10mins in city traffic to earn that amount.

Think I'm one of the lucky few with a barclaycard cashback card 1% Amex and 0.5% visa On all spend :p

​yes that's correct :)

voted hot used a few times

​Incorrect again :|

It is NOT the blue rewards. It is called Smart Spend Shopping.