Hi, This is my first post to the forum so I hope you can help?

I have a capitol one 0% card(Maxed out at £14500) that ends at the end of April  .If I rang them asking for a possible extention,are they likely to refuse?
Also does a request like this go on my credit file?
Thanks

Welcome Beijaflor

To be honest, it is unlikely that they would extend your 0% deal if you still had a balance on the card. They offer 0% deals precisely with the hope that users will carry a balance beyond the introductory period, so that the lender can earn interest. Don't get me wrong, there is no harm in asking but I can't see why they would give you a 0% extension. Read our Guide to getting a 0% Extension for tips on how to get one.

With your 0% ending at end of April, you have just enough time to apply for another card with a 0% BT offer (or a Life of Balance) and to transfer the balance across, but I wouldn't hang around if you want to do that.

Returning to Capital One as a lender. I have never seen them offer 0% extensions (even if you do follow our guide above). However, they usually treat you as a new customer as soon as you close a card with them. This means that you can pay off a card then apply for another one a couple of days later.

Best of luck. Let us know how you get on.

Clariman