0% purchases deals on credit cards

jackynutmeg · 18th March 2011, 08:36 AM

Seen a canny offer from M&S where its 15 months 0% for purchases.
Does the offer start when the account is opened or when you buy your first purchase?

hiroftm · 18th March 2011, 08:58 AM

Quote:

Originally Posted by jackynutmeg

Seen a canny offer from M&S where its 15 months 0% for purchases.
Does the offer start when the account is opened or when you buy your first purchase?

Check the terms, it'll be on purchases within the first 90 days on owning the card or something similar, not purchaes in the first 15 months.

Parkmaverick · 18th March 2011, 10:03 AM

Quote:

Originally Posted by hiroftm

Check the terms, it'll be on purchases within the first 90 days on owning the card or something similar, not purchaes in the first 15 months.

Just checked it is purchases in the first 15 months

hiroftm · 18th March 2011, 10:10 AM

Quote:

Originally Posted by Parkmaverick

Just checked it is purchases in the first 15 months

So it is...

http://www.moneysupermarket.com/mone...ive-deals.aspx

Terms and conditions state from when the account is opened.

Parkmaverick · 18th March 2011, 10:11 AM

Quote:

Originally Posted by hiroftm

So it is...

http://www.moneysupermarket.com/mone...ive-deals.aspx

Terms and conditions state from when the account is opened.

Need a new bike think I might be getting a card.

Edit might but me season ticket on it rather than this 4 part payments.

hiroftm · 18th March 2011, 10:22 AM

Quote:

Originally Posted by Parkmaverick

Need a new bike think I might be getting a card.

Edit might but me season ticket on it rather than this 4 part payments.

I didn't think of that actually... I'm looking for a good balance transfer card, currently have 1 with Halifax and 1 with BarclayCard.

Parkmaverick · 18th March 2011, 10:36 AM

Quote:

Originally Posted by hiroftm

I didn't think of that actually... I'm looking for a good balance transfer card, currently have 1 with Halifax and 1 with BarclayCard.

Might be worth you paying the cards off, if you can, then using a 0% on purhcases

Marlon Brendo · 18th March 2011, 11:20 AM

whats the spending limit on one of those?

hiroftm · 18th March 2011, 11:21 AM

Quote:

Originally Posted by Marlon Brendo

whats the spending limit on one of those?

From summary;

Credit limit Minimum credit limit £500
Maximum credit limit Subject to status

Marlon Brendo · 18th March 2011, 11:28 AM

Quote:

Originally Posted by hiroftm

From summary;

Credit limit Minimum credit limit £500Maximum credit limit Subject to status

i'm new to this so bare with me

so i may have a credit limit of (a minimum of) £500 or something higher determined by them