We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Applying for Credit Cards I have already have
Options
kattykins_2
Posts: 3 Newbie
in Credit cards
Hello,
I am looking for a new 0% balance transfer credit card to transfer my current balance over to and when I have looked around it seems that the best long term 0% cards are ones that I have had about two years ago. I was wondering if I would be able to apply for them and get the 0% offers that they advertise?
Many Thanks,
Kathryn
I am looking for a new 0% balance transfer credit card to transfer my current balance over to and when I have looked around it seems that the best long term 0% cards are ones that I have had about two years ago. I was wondering if I would be able to apply for them and get the 0% offers that they advertise?
Many Thanks,
Kathryn
0
Comments
-
Had you cancelled them? If so you should be fine after 2 years - most seem to be ok to reapply after 6-12 months.
If you havent cancelled them then you wouldnt be able to do as you ask0 -
I cancelled them to transfer the balance onto a new card so it sounds as though I would be able to reapply.
Thank you for your help :rotfl:0 -
Nationwide won't let you have two bites of the cherry...
Everyone else seems OK with it, ranging from Capital One (almost) immediately to Halifax/M&S after 30 days to Egg after 12 months....any introductory rate or offer is not available if you have previously held a Nationwide credit card with an introductory rate or offer.
http://www.nationwide.co.uk/creditcard/GoldCard/default.htm0 -
Thank you very much! I will have to scout around on their websites!0
-
Yorkshire boy, just checking cos it seems to good to be true
and so alarm bells are ringing that I've just not understood you properly. I have currently an M&S card which I really like for the vouchers but I'm coming to the end of the 0%. If I cancel at the end of the 0% and reapply in March I can get the six months 0% all over again? This would be ideal for me....
You can tell I'm a good MS because I worry if it looks too good to be true 0 -
That was my experience just over a year ago, and it was also confirmed to me recently by M&S when I called to ask them. I'm not closing my own card just yet, because it has a good limit and I'm trying to bag a 0% fee-free BT retention offer (something they were known to do a while ago).belfastgirl23 wrote: »If I cancel at the end of the 0% and reapply in March I can get the six months 0% all over again? This would be ideal for me....
Re your own situation, at 0.5% (for non-M&S spends) there are far better cashback/reward cards available.0 -
I'm trying to bag a 0% fee-free BT retention offer
Slight deviation - YorkshireBoy would you keep us updated as to how you get on with this. I also have an M&S card that has a decent limit and has been 'idle' for a few months.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 350.9K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.9K Work, Benefits & Business
- 598.8K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards