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  • FIRST POST
    • SuzieSue
    • By SuzieSue 2nd May 17, 6:16 PM
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    SuzieSue
    TSB Balance Transfer Card - updated in post #5
    • #1
    • 2nd May 17, 6:16 PM
    TSB Balance Transfer Card - updated in post #5 2nd May 17 at 6:16 PM
    ***Updated in post #5 ***

    Has anyone applied for one recently?

    Is the estimated credit limit they give you the actual limit that you get?

    Also, we applied for one with a 0% fee, but on the application form it said that there was a 3% fee for BTs. Was this just their standard blurb?

    Thanks
    Last edited by SuzieSue; 11-06-2017 at 2:50 PM.
Page 1
    • zx81
    • By zx81 2nd May 17, 6:20 PM
    • 12,507 Posts
    • 12,670 Thanks
    zx81
    • #2
    • 2nd May 17, 6:20 PM
    • #2
    • 2nd May 17, 6:20 PM
    If the 0% is a promotional offer only, then the 3% will relate to BTs at their normal rate.
    • BG350
    • By BG350 4th May 17, 2:01 PM
    • 9 Posts
    • 1 Thanks
    BG350
    • #3
    • 4th May 17, 2:01 PM
    • #3
    • 4th May 17, 2:01 PM
    How did you get on? I thought the estimated credit limit/soft check tools are normally pretty accurate.
    • SuzieSue
    • By SuzieSue 4th May 17, 2:48 PM
    • 3,576 Posts
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    SuzieSue
    • #4
    • 4th May 17, 2:48 PM
    • #4
    • 4th May 17, 2:48 PM
    How did you get on? I thought the estimated credit limit/soft check tools are normally pretty accurate.
    Originally posted by BG350
    He's still waiting to hear - they said 2-4 days so we should hear in the next couple of days.
    • SuzieSue
    • By SuzieSue 11th Jun 17, 2:56 PM
    • 3,576 Posts
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    SuzieSue
    • #5
    • 11th Jun 17, 2:56 PM
    • #5
    • 11th Jun 17, 2:56 PM
    I thought I would update this in case it helps someone else.

    So my husband's actual limit was about two thirds of the estimated limit.

    But the Ts&Cs which came with the card said that there would be 3% BT fee whereas the card we applied for was advertised as 0% (ie. 0.5% initially which is refunded in 60 days).

    When we rang them at first they wouldn't budge because they pointed to the following on their website:

    Credit limit, interest rates and promotional periods will vary based on your individual circumstances.


    We asked to be put through to a manager and explained that the above did not say that the BT fee could vary and if it had then we wouldn't have applied. They eventually agreed that we were correct and said that they would refund the 3% fees which they have been doing.
    Last edited by SuzieSue; 11-06-2017 at 2:58 PM.
    • A4445
    • By A4445 11th Jun 17, 3:59 PM
    • 584 Posts
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    A4445
    • #6
    • 11th Jun 17, 3:59 PM
    • #6
    • 11th Jun 17, 3:59 PM
    Where is the soft check too? I can't see it anywhere on the TSB site?
    • SuzieSue
    • By SuzieSue 11th Jun 17, 4:37 PM
    • 3,576 Posts
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    SuzieSue
    • #7
    • 11th Jun 17, 4:37 PM
    • #7
    • 11th Jun 17, 4:37 PM
    Where is the soft check too? I can't see it anywhere on the TSB site?
    Originally posted by A4445
    What do you mean?

    You can't see what on the TSB site?
    • A4445
    • By A4445 11th Jun 17, 4:45 PM
    • 584 Posts
    • 273 Thanks
    A4445
    • #8
    • 11th Jun 17, 4:45 PM
    • #8
    • 11th Jun 17, 4:45 PM
    I may have misunderstood did you have to apply to get the estimated credit limit or was there an eligibility check that doesn't effect your credit rating?
    • SuzieSue
    • By SuzieSue 11th Jun 17, 4:50 PM
    • 3,576 Posts
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    SuzieSue
    • #9
    • 11th Jun 17, 4:50 PM
    • #9
    • 11th Jun 17, 4:50 PM
    I may have misunderstood did you have to apply to get the estimated credit limit or was there an eligibility check that doesn't effect your credit rating?
    Originally posted by A4445
    Oh ok. No, my husband did a full application. At the end told him an estimated credit limit.
    • A4445
    • By A4445 11th Jun 17, 4:52 PM
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    A4445
    It's a shame they don't have an eligibility check!
    • PROLIANT
    • By PROLIANT 11th Jun 17, 5:02 PM
    • 6,015 Posts
    • 5,563 Thanks
    PROLIANT
    I applied through online banking, said I was pre approved and no credit search.
    I got a £2k limit with full promotional rate, that was for the platinum card - not bad considering I was only approved for an Aqua card in January, which was when I opened the TSB classic plus current account.
    During the application process they said they would contact me with a decision within 2 days but it told me the credit limit I was provisionally accepted for during the application process.
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
    • SuzieSue
    • By SuzieSue 11th Jun 17, 5:08 PM
    • 3,576 Posts
    • 3,878 Thanks
    SuzieSue
    It's a shame they don't have an eligibility check!
    Originally posted by A4445
    They might do, I haven't looked.
    • A4445
    • By A4445 11th Jun 17, 5:11 PM
    • 584 Posts
    • 273 Thanks
    A4445
    I've got the same account with them, it doesn't say anywhere about being pre approved, I've got a silly amount of available credit elsewhere tho that my be an issue for them. I've got an overdraft tho no credit check for that.
    • Jaglad111
    • By Jaglad111 12th Jun 17, 12:47 PM
    • 46 Posts
    • 61 Thanks
    Jaglad111
    I applied last month after it popped up on my internet banking screen. I have a poor but improving credit history. I have banked with them for 5 years. I applied for an MBNA the month before and never got the headline offer and only a 1k limit. TSB gave me a platinum 0% card, estimated limit 10k, actual limit 10k. So in my case very accurate.
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