Always run a soft-search eligibility check before applying. Only 51% of accepted applicants get the representative rate. A hard-search hit is wasteful if you are likely to be offered a higher rate.
For one-off borrowing above £3,000 spread over 24 months or more, a personal loan is almost always cheaper than a 0% credit card that reverts to a high rate. Loans also impose discipline — fixed payments and a fixed end date.
FAQ
The rate that at least 51% of accepted applicants must be offered. Always use an eligibility checker first.
No. Soft-search eligibility checks have no impact on your credit score.
Your card provider is jointly liable with the retailer for purchases between £100 and £30,000.
The card reverts to its standard representative APR on any remaining balance.
Yes. Many UK households hold two or three. Keep overall utilisation below 30%.
We email you the day a notable 0% promo, cashback rate or balance transfer offer changes. Tuesday mornings, never spam.
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