Sainsburys 0% credit card question

Most cards require you to make a minimum payment every month of around 3% of the balance.

29&feature> > This will be handy for some furniture I am buying and will allow me to get a > few more month's interest towards it from my savings. I was wondering, is > there anything you can fill in 'wrong' on these applications that will make > them reject you. I normally pay off my cards each month and wonder if saying > that will mean they do not give me a card? Any ideas? >

As with all these things, read the small print. IIRC, Barclaycard(?) were offering a too-good-to-be-true 0% deal a while back which turned out to be anything but (I believe they withdrew the offer after it was shown it was impossible to avail yourself of the 0%)

29&feature> > This will be handy for some furniture I am buying and will allow me to get a > few more month's interest towards it from my savings. I was wondering, is > there anything you can fill in 'wrong' on these applications that will make > them reject you. I normally pay off my cards each month and wonder if saying > that will mean they do not give me a card? Any ideas? >

The offer ends 22 June 2004 so be quick.

Thanks all,

I contacted them and it is 0% interest for 9 months but you have to pay back the minimum percentage amount each month. I suppose this is typical with most cards.

J.

29&feature> > > > This will be handy for some furniture I am buying and will allow me to get > a

You could always get two. One to transfer to a current A/C (e.g. egg, MNBA) to pay off the minimum amounts, and the other for the actual amount you want to borrow!

cd

I went for the Sainsburys card as one of the independent sites rate it the second best offer for new purchases at the moment. The Barclaycard came top as it is offering a whacking 13 months 0% interest. However, I already have one of them. I might ring them and threatend to cancel though as, when I worked in the IT dept of a leading US credit company which offered good intro offers, when the intro offer ended people would ring up and negotiate an extension to the offer or threaten to leave. Worth a go I guess.

BTW, the oddest thing about working there was all the stuff - bricks, planks of wood, etc - that peopel would attach the return post envelope to that they got in the junk mail.

Without a hint of irony, "The Social Outcast" astounded uk.finance on 16 Jun 2004 by announcing:

Although they are now offering 0% until August '05 with no abnormal conditions.