BT Fee Question

[jsucool76]

I was trying to give a friend of mine advice:

He told me he received a bt offer in the mail from barclays and wanted to use it (it had a 0% offer for some amount of time, i dont remember) and he asked how it worked and blah blah blah, what i didnt know was...

When they charge you a bt fee, does the fee run with the 0%,or is the bt fee subject to the normal interest rate?

Thanks in advanced

[enharu]

The fee usually is just a one time fee.

[jsucool76]

I understand it is a one time fee, but is it interest bearing?

IE would you need to make the minimum payment PLUS the 3% fee the first month in order to not accrue interest, or is it part of the 0% interest balance?

[enharu]

I am not too sure on that, I am sorry. I would guess its interest free however. Have you tried calling your bank?

[jsucool76]

It wasnt my bank, otherwise i would have. I'll have my friend call up when i see him tomorrow.

[09Lexie]

The fee is not part of the bt so it would be at that cards APR.

[jsucool76]

Thanks lexie.

I know payments go to lowest apr first, and anything above min payment goes to the higher apr. Wanted to make sure i told them to pay the right amount and didnt screw them over.