1. In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. In March 2020, Barclays was one of the first banks to announce an ambition to be a net zero bank by 2050. Highlights of the Barclays mobile app for credit card holders include FICO score monitoring and an Easy Pay planning feature. Here is what @BarclaysUKHelp said while responding to one of the affected users: we’re looking into this now. See full list on finanzfluss. The company is a pioneer of new forms of payments and is at the forefront of developing viable contactless and mobile. Manage your credit card account online - track account activity, make payments, transfer balances, and more. Juniper was a thriving business, built on strong partnerships with well-known US companies, and we've continued to emulate this successful business model. Phone: Call customer service at 1 (888) 232-0780. So Visa will be running a number of different cards from financial companies such as Barclays and Nationwide. The payment part is just the start. You can use the Barclays or Barclaycard app to check if you’re eligible to change to a different card – like. 31% of all applications pulled an Experian credit report. ABBREVIATIONS; ANAGRAMS; BIOGRAPHIES; CALCULATORS; CONVERSIONS;. Manage your credit card account online - track account activity, make payments, transfer balances, and more. If your application is still pending online, you. The Growing Plan charges a fixed monthly fee of £20 plus VAT for businesses making less than 5,000 transactions per month. Then, if that doesn't give you any information, the next step is to call the Barclay Reconsideration Phone Line at 866-408-4064. Barclaycard has a 24/7 contact number: +44 (0)1604 230 230; Barclay Bank’s 24/7 contact number: +44 1928 584421; You can also get card protection insurance which could offer additional help if your card is lost or stolen while you’re abroad. Credit Card Activation. 877-408-8866. The innovative card combined Chip and PIN, contactless payment and Oyster functionality. 7KB; American Express 3-D Secure Mastercard Maestro Diners Club International, American Express, text, trademark, logo png 883x346px 28. London. Ein kostenloses Muster für deine Kündigung per E-Mail findest du hier: Zur Kündigungsvorlage. Write the check payable to Barclay Card. Barclaycard can be contacted via phone at (877) 523-0478 for pricing, hours and directions. Mastercard. Receive a message when we’re back up and running Enter your mobile number This must be a valid UK mobile number, beginning with 07 All done, look out for our message. © 2023 Barclays Bank Delaware, Member FDIC. Barclays Bank Ireland PLC Hamburg Branch Gasstraße 4c 22761 Hamburg E-Mail: [email protected] check the box to prove you are not a robot. … Barclaycard Rewards MasterCard® has a rating of 4. 603 or ~94. HOW TO REGISTER. Barclaycard Customer Help Centre: find out how to manage your Barclaycard account and view frequently asked questions about online banking. Barclaycard Germany is able to provide purchase financing through Amazon. In both cases, they’ll cancel the card and may be able to issue you a temporary card or some emergency funds to tide you over while you’re away. Die Telefonnummer vom Barclaycard Kundenservice lautet: 04089099298. 25% to 0. Once logged in you'll be able to to manage: view statements and transactions. The 3 digit security code is found at the back of your card. United Kingdom. P. com. As with any credit card, Barclaycard’s Platinum card offers protection on purchases costing more than £100 and up to £30,000. The STANDS4 Network. The Barclaycard app is the easiest way to manage your account on the go, and we've put together some handy step-by-step guides to help you get started. What’s good is the team is looking into this matter. Barclaycard is shedding a chunk of its subprime card balances, in a deal that reflects diverging views in the card industry about the future of the U. The company is a pioneer of new forms of payments and is at the forefront of developing viable contactless and mobile payment. null. The 'Barclaycard' was not the first payment card to be issued in the. oliver. Remember username Log in Enter your username and password. Get directions. Barclaycard: 4 meaningful things! Barclaycard is presented on DeutschesKonto. The Barclaycard was the first credit card introduced in the UK, coming into service in 1966. Most notably, the bank offers an extensive portfolio of co-branded retail and travel credit cards – designed to offer users the opportunity to earn more with their favorite brands. Top travel credit and debit cards. If you’re 16 or over and you have a UK-registered mobile number and a UK Barclays current account or Barclaycard, you can register for the app. Most cards charge 3% to 5%, so this one would save you some money. To check the status of your Barclaycard Arrival Plus application, click this link. 9% APR variable. For example, if your card had a fee of 3%, and you made a purchase for £100, this would cost you £3 in fees. Group’s Barclays UK division, including the Personal Banking, Business Banking and Barclaycard Consumer UK businesses other than the Barclays Partner Finance business. We will be unable to help with any questions related to our consumer banking business. 25% cashback and no transaction fees on purchases when you’re. If you can swing a $99 annual fee, the JetBlue Plus Card (also offered by Barclays) is worth a look. • This app is specifically for Barclaycard Payments. It enjoyed a monopoly until the introduction of the Access card in 1972. What is a Barclaycard reward program? Barclaycard – the moniker assigned to Barclays’ credit card division – offers a total of three rewards credit cards in two different rewards programs: Barclaycard Arrival (which uses miles) and Barclaycard Rewards (which uses points, despite being advertised as a cash-based program). aus Deutschland: 040 890 99-880. You can call our team Monday to Friday from 8am to 8pm, and on Saturdays from 9am to 5pm. Access your account anywhere, anytime with the Barclays US App. 50% inflight savings on eligible food and drink purchases. 24. Outside these hours, most queries can be dealt with by an overseas call centre. Be prepared to provide any personal information requested to verify your identity. Victoria (BC) Victoria, BC, incorporated as a city in 1862, population 91,867 (2021 census ), 85,792 (2016 census). Check your Barclays credit card application status by phone. Manage your credit card account online - track account activity, make payments, transfer balances, and more. As with any credit card, M&S Bank’s Shopping Plus Offer card gives you protection on all purchases you make costing more than £100 and up to £30,000 under section 75 of the Consumer Credit Act. In Spanish. Forgot username or password? Set up online account. Barclays Bank UK PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 759676). Barclays USEnter your username and password. In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. Representative example. I've googled the address, starting from 51 Saffron Road and this is, indeed listed on Barclaycard's website and a quick look on Google Maps confirms that bit. To leave feedback about the website: 844-779-8472 Customer Relations: 800-300-8800 Available 24/7. Download the Barclaycard app from the App Store or Google Play. This rating reflects how appealing Barclaycard Rewards MasterCard®'s terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. Diese steht dir rund um die Uhr zur Verfügung – folgende Nummern sind hier essenziell: Kreditkartenbetrug: +49 40 890 99-900. Fax Number. Gold: 1125 Tier Points. 0% purchases for up to 10 months with 31. We reserve the right to modify, amend or terminate the Reward Rules and the Program at any time with or without notice. Finding your security code. It took only a few minutes to get in and through the security check even with the many people standing in line. Bottom Line. Registered in England No. Using your Barclaycard to pay for some or all of your purchases. 9% Purchase rate p. Manage your account your way at anytime, anywhere with this secure Barclaycard app. Select ‘Clubcard Management’ and then ‘Voucher Schemes’. 3. this is not a credit card servicing app. Falls noch nicht erfolgt: Führen Sie die Legitimation durch – in wenigen Minuten online per Video-Ident oder per Postident-Coupon in einer. Nectar – £20,000. Choose to receive a code by text message. Best Barclays Cards of November 2023. Barclaycard Avios card – 1,000 Avios when you spend at least £1,000 within three months of receiving the card. The Barclays app. O. Log into the app, select ‘Cards’ then ‘Manage Direct Debit’. Barclays US partners with several companies to issue co-branded Barclays credit cards, which offer bonus rewards tied to a specific brand or group of brands. You get: a great sign-up bonus which the majority of HfP readers will qualify for; a very high Avios. Accessibility Coordinator. Please read the following carefully as this will give You information about what is provided as part of this Membership and any Airport Services you purchase or receive through your Membership. Reward Rules Administration. It enjoyed a monopoly until the introduction of the Access card in 1972. Log into your Barclaycard online servicing account or use the Barclaycard app to see if you have an offer available. DE. 25% cashback on your everyday spend 1 on new purchases. JetBlue Business Card: Best for 50% discount on in. Welcome to Barclays US2. Barclaycard, part of Barclays Bank UK PLC, is a leading global payment business that helps consumers, retailers and businesses to make and take payments flexibly, and to access short-term credit and point of sale finance. Phone - contact Barclays to pay off credit card balances. economy and the wisdom of wagering on risky. The very first UK contactless payments card, the ‘Barclaycard OnePulse’, was launched in September 2007. Here is the Barclay reconsideration website – you have to put in your last name, last 4 digits of your SSN, Zip code and email address that you put. For questions about your account call the number on the back of your card or for general questions call us at 877-523-0478. Install and launch the Barclays US Credit Card app on your mobile device, or visit our homepage and select “Set up online access. Card protection can be arranged through your bank or by using an. O. 5 Avios for every £1 you spend on eligible purchases1. It does more than you'd credit. T&Cs apply. Email, text or call asking you to verify your account or security details. Barclay reconsideration website to check application status. S. Manage your account your way at anytime, anywhere with this secure Barclaycard app. Barclaycard online account features lots of handy tools so you can manage your account your way. If you can’t or don’t want to talk to Barclays customer service over the phone, there are a few alternatives. 877-523-0478. Change your address. For existing cardholders, the Barclaycard Arrival™ World Mastercard® earns 2 miles per $1 spent on dining and travel. Registered in England Number 9740322. Business Identifier Codes (BIC codes) for thousands of banks and financial institutions in more than 210 countries. Related: Earn 60K American. 1% APR variable. Manage your credit card account online - track account activity, make payments, transfer balances, and more. 9% p. Ultimately, if you're in the market for your first credit card or looking to rebuild your credit score, the Forward card is a great choice, as long as you use it responsibly. Statement credits reduce your account balance but cannot be applied toward any minimum payment and are otherwise subject to the terms and conditions applicable to your Barclaycard Rewards MasterCard account. Barclaycard is a multi-brand personal lending business that offers credit cards, secured and unsecured loans, marine finance and point-of-sale finance to customers across the world. "Helping to get you started with Barclaycard online account registration, find out more about how to register. Email, text or call to ask you for your PIN, online login details or full passcodes. Don’t forget that Barclays and Barclaycard are currently offering a crazy 100,000 Avios bonus when you sign up to both Barclays Premier with Barclays Avios Rewards and the Barclaycard Avios. . Please check the box to prove you are not a robot. Get the app. The Barclaycard management team includes Mike Britton (Managing Director), Akua Hutchful (Vice President, Acquisition Marketing, Airline Co-Brand Partnerships), and Adam Birchall (Vice President, Specialist Sales, Barclaycard Payment Solutions) . 2. Free to download now for Android and with more handy features on the way, currently you can: * View your latest balance and available credit. 1234 Pavilion Drive. 866-823-8178. Miles are worth a flat 1 cent apiece when redeemed toward travel expenses, meaning this sign-up bonus worth $700. Darüber hinaus bieten wir attraktive Ratenkredite und. Barclaycard Rewards with 0. Remember username Log inEnter your username and password. com. We serve customers across a wide range of retail banking needs, from creditHow to earn Avios from UK credit cards (November 2023) As a reminder, there are various ways of earning Avios points from UK credit cards. Based on a £1,200 credit limit. Barclaycard has launched a new market-leading, fee-free cashback business credit card, designed to support small and medium businesses as the easing of restrictions brings optimism for the months ahead. If you already have a Barclays online account, you can use the same online credentials. Calling from Abroad. We can provide additional support for all customers, including those who have mental or physical health conditions or learning disabilities. The . • 0% APR during military service on SCRA-eligible servicemember Citi card accounts opened prior to active duty. All you have to do is access the website and click ' Log in '. Our full list of. AGB) verbleiben bei Ihnen. If you have Gold status with Royal Air Maroc, you will receive virtually all of the benefits of British Airways. Barclaycard Anywhere app from Barclaycard. The 3 digit security code is found at the back of your card. Get 0. The most common Barclaycard email format is [first]. The Program and Reward Rules are administered by Barclays located in Wilmington, DE. The complete A-Z list. It enjoyed a monopoly until the introduction of the Access card in 1972. 1% APR variable. These Terms are separate from Travel Plus Pack. Stockton-on-Tees. You can apply. Old tagline Barclaycard is the credit card brand for the British universal bank Barclays. Barclaycard users are once again facing issues wherein the cards have disappeared from the app. After more than a week of calling the hotline and wasting huge amount of time in the waiting line without any indication of. : Monika BlochCustomer Services - 0333 200 9090. Currensea – links to your bank. Barclaycard Avios Plus Mastercard. 45% balance transfer fee applies. 0% interest on balance transfers for up to 18 months from the date you open your account. 0% balance transfer for up to 9 months with 31. fin 319/web rev. Barclays Bank UK PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 759676). Box 8801 Wilmington, DE 19899-8801. Customers can also choose to make one-off repayments or pay the balance. New customers only. The 3 digit security code is found at the back of your card. variable. de. Some of the time when another bureau. Select Barclaycard. I was tipped off to this change by a reader who had just paid £15. The Barclaycard affiliate program allows you to promote products from one of the leading global credit card providers. I finally spoke to a rep. Log in and message us anytime using ‘Chat’ for any account related queries. Collect 1. Barclays profile - business description, services, contacts, swift. Manage your credit card account online - track account activity, make payments, transfer balances, and more. This includes:¹. 2,500 points is the biggest bonus you will ever see offered by Virgin Flying Club for switching on auto-convert. Chatting with a customer service representative online or over the phone is the fastest way to get in touch with Barclays because you can talk to a live. O’Flaherty brings almost 20 years’ experience in payments, card services, business development and customer rewards to the role. Manage your credit card account online - track account activity, make payments, transfer balances, and more. stores and online, excluding Banana Republic Home products or on BRHome. 0870 154 0101. Du kannst deinen Vertrag mit Barclaycard schriftlich per E-Mail kündigen. Contact us. App - if you have the Barclays app, you can login and select ‘Make a payment’. Box 13337 Philadelphia, PA 19101-3337 . Barclaycard | 69,854 followers on LinkedIn. Half a century on, consumers are used to a range of convenient ways to pay, but back in 1966 there was a feeling of. This rating reflects how appealing Barclaycard Rewards MasterCard®'s terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. Many of Barclays’ credit cards have an annual fee ranging from $0 to $499 depending. Zum Beispiel Fragen zur Rechnung, zur Kündigung, Vertragsverlängerung und Widerruf. You can apply. That’s the number you’ll use to check your. The document has moved here. Barclaycard scores the lowest for pricing in our research with a 2. Registered No. Barclaycard International is a leading global payments business with a history of innovation and a proud track record of firsts in the payments industry. Northampton, England NN4 7SG, GB. Venkatakrishnan) Website for Barclaycard Twitter Page for Barclaycard Facebook Page for Barclaycard Barclaycard Email address formatFinding your security code. Manage your credit card account online - track account activity, make payments, transfer balances, and more. Cashback can be redeemed towards a credit card balance, traded up for an e. He admitted they made errors and somehow that was my fault and I. 0% interest on balance transfers for up to 29 months from the date you open your account. * Report your card lost, stolen or damaged. 2. Be aware that although the business class cabin goes to row 7, rows 4 and 5 are not used. Online banking - if you’re registered, sign in and select ‘Pay and transfer’ and then ‘Make a payment’. For balances transferred within 45 days, this card charged a low balance transfer fee: Up to 2% ($5 min. If you want your clients to be able to pay the invoice partially (even with payment schedules activated as well), check off Allow Clients to make partial online payments for this Invoice. Manage your credit card account online - track account activity, make payments, transfer balances, and more. for every $1 spent at our. If you Barclay credit card is pending, first check the status online at myapplicationstatus. Barclaycard was first established in the United States in 2004, when we bought the Juniper Financial Corporation. Citi recently raised the welcome bonus on two of its AAdvantage credit cards, and now, perhaps in honor of Small Business Week, Barclaycard is offering a great increased bonus on the Barclaycard AAdvantage Aviator Business Mastercard. Enjoy Mosaic benefits if you spend $50,000 or more annually. 2. Then, if that doesn't give you any information, the next step is to call the Barclay Reconsideration Phone Line at 866-408-4064. This property is situated at an approximate latitude and longitude of 52. If you're still logged in when we reply, we'll let you know on the screen so you can check your response straight away. American Express has just announced that the transfer rate from Membership Rewards points to the Singapore Airlines KrisFlyer programme will change from 1st April. Barclaycard Card Benefits Helpline. You can apply. Other Ways to Get a Barclays Replacement Card. If you already have a Barclays online account, you can log in to activate your card even faster. Registered in England. Get a 10% statement credit when you book a Carnival shore excursion. Note: If you click some links on this site, TheRewardBoss may receive a commission at no added cost to you. Forgot username or password? Set up online account. co. How to earn Avios from UK credit cards (November 2023) As a reminder, there are various ways of earning Avios points from UK credit cards. Remember username. Barclaycard has launched a new market-leading, fee-free cashback business credit card, designed to support small and medium businesses as the easing of restrictions brings optimism for the months ahead. S. Moved Permanently. Please be ready to tell us:The suspected location, date and time of your credit. jane@barclaycard. Other benefits and drawbacks: The JetBlue credit card offers 50% savings on. under its own brand, Barclays remains one of the country's largest issuers through its partnerships. Barclaycard Business Online is a convenient and secure way to manage your business card account. Remember username. You can do so by calling the company at (866) 928-8598, which is their general inquiries line. This requires you to spend £3,000 in three months. Barclaycard Avios Plus or both. Many cards also have generous sign-up bonuses!. Tel: 01604 269395". Zero service, no support. This is available under Section 75 of the Consumer Credit Act. Barclaycard scores the lowest for pricing in our research with a 2. Barclays launched Barclaycard on 29 June 1966, initially as a charge card, [2] but following Bank of England agreement to the offering of revolving credit, it became the first credit card in the United Kingdom on 8 November 1967. Barclaycard Barclays Bank PLC +494089099900: Barclaycard Club +4940881630: Germany: Hamburg: Barclaycard Merchant Services New Business +44800616161: United Kingdom: avilion Dr: Barclaycard Loans +44800400100: United Kingdom: Barclaycard +443301596665: United Kingdom: Barclaycard Arena Hamburg +494080602080:. Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review. 3. Barclaycard Credit Card. Ein Sicherheitsupgrade gibt es gleich mit dazu. smartpayfuse. In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. Free to download now for Android and with more handy features on the way, currently you can: * View your latest balance and available credit. E-Mail: impressum@barclays. Contact us. Hallo Herr Alpha-Male, aus Barclaycard wird Barclays. Finding your security code. S. Earn 1X FunPoints ® for every dollar spent on all other purchases. make payments - UK customers can pay. Enter your username and password. So, if your phone is lost or stolen, as long as you’re the only one who has them, you’re the only one who can get into your account. [email protected]/5. The capital of British Columbia, the City of. Remember username. 126881 respectively. Balance transfers. If you would like to talk to someone call 0800 056 3486 from 9am - 5pm. deManage your Barclays US credit card account easily and securely from anywhere – just use our mobile app. O’Flaherty brings almost 20 years’ experience in payments, card services, business development and customer rewards to the role. Existing Barclaycard US Airways cardholders can refer friends or family for the 50,000 mile increased sign-up bonus until January 18, 2015. This offer is only available for new customers and Barclaycard reserves the right to withdraw this offer at any time. Mastercard and American Express do the same. You can apply. 9740322. Enter your username and password. Manage your credit card account online - track account activity, make payments, transfer balances, and more. Once approved, via a few simple clicks customers can also use the agreed rolling credit line added to their wallet on future purchases. You could receive a welcome bonus of £100 if you spend £5000 or more in the first three months of opening your account. Barclays Bank UK PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 759676). If you can swing a $99 annual fee, the JetBlue Plus Card (also offered by Barclays) is worth a look. You can check your Barclaycard application status on the Barclays application status webpage. 0870 154 0154. Stay on the line until you can say or select the option to “check on an application. Representative example. +44 (0) 1619 5352 54. These conditions govern your use of the Site and by accessing the Site you agree to be bound by them. * See what you’ve spent and where, including pending transactions. co. It kicked off a payments' revolution that has seen £60bn spent using contactless and six in. citizen or not. Either way, you'll receive your Barclays card in the mail within approximately 7-14 days or a letter informing you that you have not been approved. Italian high-street chain Prezzo is currently trialling the technology. Barclaycard Customer Help Centre: find out how to manage your Barclaycard account and view frequently asked questions about online banking. Finally, you can contact Barclaycard by sending a letter to their mailing address for general inquiries: General Correspondence Card Services P. ” (If you don’t have the Barclays App download it on Apple's App Store or on Google Play. 1%. The new rewards programme provides personalised offers at brands across retail, hospitality and leisure. 5 Avios for every £1 spent on eligible purchases, with £20 monthly fee. NB. The Growing Plan also includes a minimum. Remember username. If you already have a Barclays online account, you can log in to activate your card even faster. BA Holidays has extended its double tier points offer by another year, out to 31st December 2024. Barclays Bank UK PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 759676). (For clarity, transfers remain totally free for Gold members of British Airways Executive Club. And your Barclaycard account can only be accessed with your log in details. You must have an income of (equivalent) €65,000 for the Euro card and $65,000 for the Dollar card. 4% per debit card transaction. That way you can enjoy your shopping time interest-free. Barclaycard has a 24/7 contact number: +44 (0)1604 230 230. 0% purchases for up to 10 months with 31. The best seats are 60D, 60E, 60F and 61A, 61B, 61J and 61K. The most useful one for UK residents in the US call centre. 99% every time you use it. How To Pay Your Barclaycard. This card comes with a $99 annual fee and offers 6X points on JetBlue purchases, 2X points on. You can apply. (Source: Citi. How to earn Avios from UK credit cards (November 2023) As a reminder, there are various ways of earning Avios points from UK credit cards. Choice Hotels International Attn: Guest Relations Service CenterThe number is 1-800-247-9297 (1-800-AIRWAYS) and it is open from 7am – 11pm daily, Eastern Standard Time. Log into your Barclaycard online servicing account or use the Barclaycard app to see if you have an offer available. Barclaycard, part of Barclays Bank PLC, is a leading global payment business that helps consumers, retailers and businesses to make and take payments flexibly, and to access short-term credit. Yes, a flat £15 fee up to your annual transfer limit of 27,000 Avios to any one person. Forgot username or password? Set up online account. Kreditkartenverlust: +49 40 890 99-877. Free to download now for iOS and with more handy features on the way, currently you can: * View your latest balance and available credit. Welcome offer: Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days. Colin O’Flaherty joins Barclaycard Payments from American Express as Managing Director, Head of Small Business. Get Contact Info for All Departments. Keep an eye on your account on the go. Setting up online account access is simple, secure and lets you safely and easily manage your account anytime, anywhere. d. Please note: This phone number is for our corporate customers only. S. What does Barclaycard mean? Information and translations of Barclaycard in the most comprehensive dictionary definitions resource on the web. The balance transfer fee will remain the same and of course if you’re not happy with an alternative you don’t have to go ahead with it. Mark Coleman Global Lead Human Resources Business Partner - Barclaycard International Chief Operations Officer at Barclaycard New York, New York, United States View. Either way, you'll receive your Barclays card in the mail within approximately 7-14 days or a letter informing you that you have not been approved. Theresa Chalfant, Writer. +49 40 890 99-600. The 29 month balance transfer period starts from the date the account is opened. Fraudsters can contact you by post, phone, email or text – or a scammer may even knock at your door. Remember username. Barclaycard ist eine der beliebtesten Marken für flexible Bezahl- und Finanzierungslösungen im deutschen Privatkundengeschäft. The maximum you can earn in either case is 50,000 miles. ” (If you don’t have the Barclays App download it on Apple's App Store or on. Credit Card Activation. Low introductory APR for 15 months on balance transfers.