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Author First time credit card owner
MJFF88
Member
Registered: 30th Apr 08
User status: Offline
20th Apr 10 at 10:37   View User's Profile U2U Member Reply With Quote
0% on purchases for the first 12 months

Does this simply mean that everything I buy is free for the first year so long as I pay it off before the 12 months is up?
Ian W
Member
Registered: 8th Nov 03
Location: Wirral, Merseyside
User status: Offline
20th Apr 10 at 11:04   View User's Profile U2U Member Reply With Quote
Yes, no interest will be charged for the first 12 months.
Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
20th Apr 10 at 16:19   View User's Profile U2U Member Reply With Quote
only if you pay the minimum payment off every month though.

i made the mistake of thinking i just paid it all off at the end of the 12 months and didn't pay the minimum payment off for the 1st bill i got through.

had to pay a £12 late payment fee and lost the 0% for 12 months deal

young and naive then.
Aaron
Member
Registered: 9th Aug 04
Location: Cottingham, East Riding
User status: Offline
20th Apr 10 at 19:32   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by MJFF88
Does this simply mean that everything I buy is free for the first year so long as I pay it off before the 12 months is up?


I wouldnt call it "free"
deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
20th Apr 10 at 20:36   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Ben G
only if you pay the minimum payment off every month though.

i made the mistake of thinking i just paid it all off at the end of the 12 months and didn't pay the minimum payment off for the 1st bill i got through.

had to pay a £12 late payment fee and lost the 0% for 12 months deal

young and naive then.

This is the trick. You HAVE TO achieve the minimum payment every month.

But yes, it's essentially free in that they won't charge you for the privilege of using the card.
Ian W
Member
Registered: 8th Nov 03
Location: Wirral, Merseyside
User status: Offline
20th Apr 10 at 22:30   View User's Profile U2U Member Reply With Quote
Do people not see it as common sense that you would have to pay at least the minimum payment every month
John
Member
Registered: 30th Jun 03
User status: Offline
21st Apr 10 at 06:53   View User's Profile U2U Member Reply With Quote
It's not really a trick either, the minimum payment isn't much unless you've got a 30k limit.
Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
21st Apr 10 at 09:21   View User's Profile U2U Member Reply With Quote
Mine is with Tesco, 0% for 12 months. I have a DD set up so i don't forget the pay the min payment

 
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