Barclaycard “Balance Transfer Sale” 2011

by Klaus on March 31, 2011

in Other

After the first launch of their “Balance Transfer Sale” which ended on February 2011 with great results, Barclaycard is proud to offer once again to its valued customers a generous 0% on balance transfers, but this time, for 20 months, and 25% off on additional balance transfer fees until May 3, 2011.

Introducing Barclaycard’s second unique “Balance Transfer Sale” incentive for the year 2011, and what’s more interesting is its duration is much longer than the first one. In fact, it is considered to be the longest 0% balance transfer offer in the entire UK market today. For every new customer who signs up between March 15 and May 3 of 2011, they can also take advantage of a 25% reduction on the handling charge when they transfer multiple balances from other lenders (wherein the highest balance transfer shall incur a 3.2% handling fee, with other additional transfers incurring 2.74% handling fees).

Barclaycard Platinum Credit Cards have three different types offered for their valued customers:

1. Barclaycard Platinum Credit Card with Balance Transfer

Choose this credit card if you have a regular income of £20,000 or more, a permanent UK address which is at least 3 months old, and your debt must be not over 10% of your income (mortgage is not included). You must also have a good credit rating and a history of managing credit commitments well of 4 years or more.  You must have no history of bankruptcy as well as no Individual Voluntary Arrangements (IVAs) or County Court Judgments (CCJs) in the past 5 years.

This credit card has no annual fee and has a minimum of £250 credit limit, with higher limits depending on the customer financial status. This credit card has a typical 17.5% variable APR on purchases and balance transfers after the promotional period, and a 27.9% rate on cash withdrawals. The promotional period featuring 0% rates lasts for the first 20 months on balance transfers (though subject to a 3.2% fee) and 3 months on purchases.

The 20 months of 0% interest on balance transfers is the main attraction of this credit card, which is ideal for customers who would like to take advantage of this offer above all other features (however, the 17.5% typical APR is quite competitive compared to other credit cards out there). Its rewards program is useful to customers who love to take advantage of cash back offers.

2. Barclaycard Platinum Credit Card with Purchase

If you want extra time out from paying interest on your balance transfer, then this card is for you. Choose this credit card if you have a regular income of £20,000 or more, a permanent UK address which is at least 3 months old, and your debt must be not over 10% of your income (mortgage is not included). You must also have a good credit rating and a history of managing credit commitments well of 4 years or more.  You must have no history of bankruptcy as well as no Individual Voluntary Arrangements (IVAs) or County Court Judgments (CCJs) in the past 5 years.

This credit card has no annual fee and has a minimum of £250 credit limit, with higher limits depending on the customer financial status. This credit card has a typical 16.9% variable APR on purchases and balance transfers after the promotional period, and a 27.9% rate on cash withdrawals. The promotional period featuring 0% rates lasts for the first 12 months on balance transfers (though subject to a 2.9% fee) and 12 months on purchases.

The 12 months of 0% interest on balance transfers is the main attraction of this credit card, which makes it as the second best credit card introductory offers available (with the 20 months of 0% interest on balance transfers being the number 1 in their line, of course).

3. Barclaycard Platinum Simplicity Credit Card with a Low Rate

Choose this credit card if you have a regular income of £20,000 or more, a permanent UK address which is at least 3 months old, and your debt must be not over 10% of your income (mortgage is not included). You must also have a good credit rating and a history of managing credit commitments well of 4 years or more.  You must have no history of bankruptcy as well as no Individual Voluntary Arrangements (IVAs) or County Court Judgments (CCJs) in the past 5 years.

This credit card has no annual fee and has a minimum of £250 credit limit, with higher limits depending on the customer financial status. This credit card has the lowest interest rates around, with a typical 7.9% variable APR on purchases and balance transfers after the promotional period, and a 15.8% rate on cash withdrawals.

Even without introductory rates unlike the first two mentioned above, this credit card enables you to have an interest-free period of maximum 56 days from date of transaction for purchases if you pay them in full and on time each month. If you repay more of your balance, or by making repayments earlier, you will pay less interest. Because of its extremely low APR, this credit card gets positive reviews from customers who want to benefit from this particular feature.

Aside from helping customers out by cutting the cost of borrowing money, Barclaycard also offers some of the easiest-to-use rewards scheme in the United Kingdom. Widely known as the Barclaycard Freedom, it offers you Reward Money in pounds and pence in thousands of retailers online and throughout the UK as well as other benefits such as Identity Protection Service, Fraud Monitoring, Purchase Delivery Protection, Worldwide Assistance, Travel Service, Mybarclaycard, Emergency Card Replacement and Cash Advance, 24-hour Customer Service Assistance, and the Barclaycard Unwind which lets you have easy access to some of the greatest music tickets as well as live sessions, reviews, news and more. You get to enjoy all of these without the need to carry any other additional vouchers or reward cards. Everything you’ll need is all there in your Barclaycard!

Ever since Barclay’s has launched its very first credit card in the United Kingdom in 1966, they have become famous worldwide, with branches in more than 60 countries. Barclay’s serves both individual customers as well as companies whether they may be large or small. Having maintained a great reputation spanning more than 50 years and is considered as the 21st largest company in the world, Barclay’s has indeed become an innovative leader in the world of banking and business.

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