Best BT Card Deal?

Money, investing, mutuals etc
planteria
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Best BT Card Deal?

Post by planteria » Tue Jan 07, 2020 10:59 pm

i'm looking at applying for a BT card tomorrow.
i have c£17k on a Barclaycard which needs to be paid back this month, and i'm looking at moving a portion of it to another card, if i can get a good deal.
MBNA/Lloyds/Virgin don't seen to show their deals online any more.
nothing tasty from CapitalOne.
the best i can see is from HSBC: https://www.hsbc.co.uk/credit-cards/pro ... -transfer/
i bank with them, so maybe i'd get this with a decent limit.
i can also look at asking MBNA and Nationwide if they can come up with something on my existing accounts.
anyone got any other ideas?

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Re: Best BT Card Deal?

Post by Boro Boy » Wed Jan 08, 2020 12:02 am

Just forget the cards and just get rid of that debt which must be costing you a bomb!

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Re: Best BT Card Deal?

Post by Sarah » Wed Jan 08, 2020 12:17 am

How about Santander - 18 months, no fee? Or maybe Halifax - 15 months, no fee?
https://www.santander.co.uk/landing/cre ... redit-card
https://www.halifax.co.uk/creditcards/l ... s/15-6/all

Virgin have 27 months with 1.45% fee?
https://uk.virginmoney.com/cards/produc ... A-NA-04080
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Re: Best BT Card Deal?

Post by planteria » Wed Jan 08, 2020 10:22 am

Boro Boy wrote:
Wed Jan 08, 2020 12:02 am
Just forget the cards and just get rid of that debt which must be costing you a bomb!
it's not like that BB. it's my stoozed balance, at 0%. if i were to move it all to HSBC then it would cost me £255, but i'd have their money for 2 years for that. it's cheap money, that can be used to invest, or even saved safely to generate a larger return than that.

that said, yes, if i can't get a good deal then i'll just clear it instead.
Last edited by planteria on Wed Jan 08, 2020 1:06 pm, edited 1 time in total.

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Re: Best BT Card Deal?

Post by planteria » Wed Jan 08, 2020 10:33 am

& thank you Sarah, some interesting ideas..

when i looked at Virgin it seemed to want me to enter my details before revealing their offers :?

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Re: Best BT Card Deal?

Post by blythburgh » Wed Jan 08, 2020 10:58 am

If you do not know what stoozing is, or like me heard of it and forgotten what it means:

https://www.moneysavingexpert.com/credi ... dit-cards/
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Re: Best BT Card Deal?

Post by AAAlphaThunder » Wed Jan 08, 2020 11:34 am

Sarah wrote:
Wed Jan 08, 2020 12:17 am
How about Santander - 18 months, no fee? Or maybe Halifax - 15 months, no fee?
https://www.santander.co.uk/landing/cre ... redit-card
https://www.halifax.co.uk/creditcards/l ... s/15-6/all

Virgin have 27 months with 1.45% fee?
https://uk.virginmoney.com/cards/produc ... A-NA-04080
Very clever.
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Re: Best BT Card Deal?

Post by Boro Boy » Wed Jan 08, 2020 12:33 pm

planteria wrote:
Wed Jan 08, 2020 10:22 am
Boro Boy wrote:
Wed Jan 08, 2020 12:02 am
Just forget the cards and just get rid of that debt which must be costing you a bomb!
it's not like that BB. it's my stoozed balance, at 0%. if i were to move it all to HSBC then it would cost me £255, but i'd have their money for 2 years for that. it's cheap money, that can be used to invest, or even saved safely to generate a larget return than that.

that said, yes, if i can't get a good deal then i'll just clear it instead.
Basically borrowing to invest - not to be encouraged - personally I would just clear the debt and make life simpler and invest from disposable income.

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Re: Best BT Card Deal?

Post by AAAlphaThunder » Wed Jan 08, 2020 1:02 pm

Boro Boy wrote:
Wed Jan 08, 2020 12:33 pm
planteria wrote:
Wed Jan 08, 2020 10:22 am
Boro Boy wrote:
Wed Jan 08, 2020 12:02 am
Just forget the cards and just get rid of that debt which must be costing you a bomb!
it's not like that BB. it's my stoozed balance, at 0%. if i were to move it all to HSBC then it would cost me £255, but i'd have their money for 2 years for that. it's cheap money, that can be used to invest, or even saved safely to generate a larget return than that.

that said, yes, if i can't get a good deal then i'll just clear it instead.
Basically borrowing to invest - not to be encouraged - personally I would just clear the debt and make life simpler and invest from disposable income.
There are hundreds of options of what to do with money and if planteria makes it work for him then full respect to planteria.
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planteria
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Re: Best BT Card Deal?

Post by planteria » Wed Jan 08, 2020 1:10 pm

thank you TripleA..
Boro Boy wrote:
Wed Jan 08, 2020 12:33 pm
Basically borrowing to invest - not to be encouraged - personally I would just clear the debt and make life simpler and invest from disposable income.
i appreciate your concern BB, but it's all under control. fwiw i have more than half of the balance earning 2% with one of my local Co-ops. and as it happens i'm expecting not to borrow more than that by rolling the balance to another provider - largely as i've previously found Nationwide/HSBC/Halifax/Santander to be far more cautious with limits than MBNA and Barclaycard have.

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