Marbles-Aviemore-Bank of Scotland question

Spark

I just got a letter about my Marbles card. My account will be transferred to Aviemore on 22nd February 2009 and my new card provider will be Bank of Scotland.
If I do nothing, my old account will be closed and I will have to destroy the card.
If I want a new card send to me, with new account, pin and the rest, I have to call Bank of Scotland after the above date.
How is the Bank of Scotland customer service? I understand the call center is in the UK.
Is the BoS online service any good and easy to manage?
I am undecided as whether to get a new card or not, I was quite happy with the service I had from the previous card provider.

bert&ernie

Spark wrote: »

I just got a letter about my Marbles card. My account will be transferred to Aviemore on 22nd February 2009 and my new card provider will be Bank of Scotland.
If I do nothing, my old account will be closed and I will have to destroy the card.
If I want a new card send to me, with new account, pin and the rest, I have to call Bank of Scotland after the above date.
How is the Bank of Scotland customer service? I understand the call center is in the UK.
Is the BoS online service any good and easy to manage?
I am undecided as whether to get a new card or not, I was quite happy with the service I had from the previous card provider.

It looks like your account isnt automatically set to issue new plastics on migration. I would guess this is for one of two main reasons:

1. Your account is dormant
2. Your account is classed as high risk.

I would suggest that the second option in the more likely, as they would probably issue a card and some sort of incentive/offer if your account was dormant. I imagine that they will do some kind of underwriting assessment before issuing you a new card.

The new card issuer is Bank of Scotland, but the accounts have been purchased by SAV Credit - issuers of the Aqua sub-prime card.

dolally_2

1. I have been a BOS customer (bank account, mortgage and now a credit card) for years and they are great. Customer service is much better than with other companies and any calls I have to make have been answered promptly and dealt with efficiently.

2. Personally I feel the website could be better, there is nothing wrong with it exactly but I also have a cap one card and think that their website is much better. This is just a personal opinion though and others may disagree.

I have only had my credit card from them for about 3 months though so can't say how good they are for limit increases or anything else for that matter!! I have had no problems so far though!!

Hope this helps

Spark

Last time I've used the card was 11 months ago, so the first option would be correct. They states on the letter that they want to make sure I want a new card, so I have to call.
I didn't use that card because my account was going to be transferred to the issuer of the Aqua subprime card. After I gathered some information on the aqua card, it seemed that their APR was very high, so I've never used the card again until I was sure where it was going, as I didn't want to transfer with a balance and have a big APR rise on my balance.
It surprises me how long it took for the transfer.
I am more likely to decide not to get a new Marbles card from SAV Credit, I could apply for any other card, my credit report is very good. I have 4 other cards, 3 I use regularly, so maybe it's enough for me.

claire6hy

i think the BOS online system is great ....
waaaay better than royal bank, and lloyds

CrazyLady

My boyfriend just received this letter and you really need to read the boring legal docs as they will tell you your new APR which is an unbelievable 33.4%???
With the rates as low as they are how can they justify making 31.4% profit on people who are struggling!!

i-Citizen

I used to live in Aviemore back in 2000 for 8 years ah memories, just thought I'd share - off topic I know sorry

merry xmas

PROLIANT

i-Citizen wrote: »

I used to live in Aviemore back in 2000 for 8 years ah memories, just thought I'd share - off topic I know sorry

merry xmas

Lovely place, went skiing there with the school back in 1993, magic.

Spark

My boyfriend just received this letter and you really need to read the boring legal docs as they will tell you your new APR which is an unbelievable 33.4%???
With the rates as low as they are how can they justify making 31.4% profit on people who are struggling!!

Strange, on my boring legal docs it says that I will be charged an APR of 15.94% on purchases and balance transfers. But nothing would prevent them to rise the APR once I got the card and I have a balance on it.

Bismarck

Spark wrote: »

I just got a letter about my Marbles card. My account will be transferred to Aviemore on 22nd February 2009 and my new card provider will be Bank of Scotland.
If I do nothing, my old account will be closed and I will have to destroy the card.
If I want a new card send to me, with new account, pin and the rest, I have to call Bank of Scotland after the above date.
How is the Bank of Scotland customer service? I understand the call center is in the UK.
Is the BoS online service any good and easy to manage?
I am undecided as whether to get a new card or not, I was quite happy with the service I had from the previous card provider.

I'd heard that "Black" Orange Marbles cards were being switched to Beneficial Finance but can you confirm what colour yours is? IS it a white one?

Spark

At the moment I still got the original white one. It was valid until october 2009 but it seems that they are getting rid of the old cards on the 22nd february 2009 as I have to destroy it on that date.