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Balance Transfer terms & conditions

  1. You can transfer between £250 and £5,000 or 90% of your credit limit, whichever is lower, depending on the available credit limit on your account.
  2. We reserve the right to refuse a credit card balance transfer or to limit the amount you can transfer. If we do allow you to transfer an amount over your balance transfer limit, this will be debited to your account and charged at 6.9% interest per annum until paid in full. We will not charge a handling fee.
  3. A 2.0% handling fee will apply to each 5.9% interest balance transfer you make.
  4. We can't accept transfers from cards or loans issued by companies within the Barclays Group.
  5. If you choose to close your account with other lenders, please let them know in writing.
  6. You should continue to make payments to your other lenders until the balance transfer has been confirmed.
  7. Your monthly payments will reduce your promotional balances first (longest duration first), providing there are no default charges on your account, so you will be charged interest (where it applies) on other balances and new spending whilst your promotional balances are paid off. Obviously the more you pay back, the quicker your balances will be paid off.
  8. If you do not make at least the minimum payment by the payment due date or if you exceed your credit limit at any time we will remove the promotional rate and revert to charging at your standard purchase interest rate (typical rate 15.9% APR variable).
  9. This credit card balance transfer offer is available when you apply online using this application form and by telephone.
  10. To qualify for this balance transfer offer you must transfer any balance within 60 days of opening your Caravan Club account. Please see summary box and Caravan Club conditions about allocation of payments.