Merry Christmas from A&L via MBNA

scattycat_3

Just taken out an A&L card with 9 months 0%. The max charge is STILL £35, not the new £50.

6 working days for SBT to reach current account, though I think their top limit is only£5k, so max BT £4k7.

Merry Chrismas thanks MBNA, next Banco Santander

All the Best especially to GAL, bless his lowland cotton socks. ;D

Scattycat

Martinslovechild

Just taken out an A&L card with 9 months 0%. The max charge is STILL £35, not the new £50.

Scat,

This depends on the T&C's on the application form that you fill in. There are different versions out there - some with £35, some with £50 and some unlimited.

max BT £4k7.

Not sure what you mean by £4k7. Can you explain?

scattycat_3

Sorry sog (son of ...)

£4k7 is shorthand for £4700, tho not very much shorter, and is the max they allow you to transfer with £5000 credit limit, which is the limit for new A&L cards  i think.

Merry Christmas,  to all,....(sod it)  BOTH sides of the Pennines


PS, I miss the lack of thread posts under the composing box hence Mod.)

Re max bt fee,
the nice young lady what did my sbt was also surprised that it was still £35, as £50 came in 6 weeks before I applied on line. T&C's came with the acceptance offer letter Monday. I was able to transfer as they had just receiived my signed agreement when I rang them. ;D

zcaprd7

If you have any other unused MBNA card(s) you can move the balance from them to the A&L card before you do the transfer...

nh

So they charged you for the first BT on a new card? We just got an Abbey card with no charge for the first BT - I think ???

chugalug

I'm not sure what happened but i applied for the A&L online 4 weeks ago, received card with 5k limit. Worked out that even with the charge for bt would save a lot of interest as my Halifax 9 months was just about to expire. BT'd 4,800 leaving 200 credit available. Also I rang to query what circumstances would the charges not apply for BT (as stated in t&c's) they couldnt clarify this but according to my first very speedy statement there were no charges. Would these appear later on - I'm hoping not but ok if they do as I knew the score. Weird how applications are all treated so differently by the same company though.

MarkyMarkD

If you have any other unused MBNA card(s) you can move the balance from them to the A&L card before you do the transfer...

I think you mean move the spare credit limit not any balance.

johnllew

according to my first very speedy statement there were no charges. Would these appear later on.

Unlikely - whenever I've incurred a BT fee, both the BT and fee were debited to my account simultaneously.

zcaprd7

Yes MarkyMarkD, I meant any spare balance/credit...

sce37

I am waiting for my A & L card.  I have had notification of £5,000 limit. When applying by phone I specifically asked about charges for BTs.  They advised that as long as I made a transfer to them under the initial opening offer I should be free of charges.  Thereafter charges apply.  Their T & C are vague.  Section 1f states 'We may charge a handling fee for balance transfers'.  

Worth checking this out when you make your initial transfer.

sce37

Further update on A & L charges. I phoned to make my transfer and was advised that BTs are free of charges during the life of the 0% offer. However these are free when you do this by phone only. If you put down on the application form a BT you want then the system does not allow for free BT for some reason. The same is the case if a BT is made over the internet. There are no buttons to click for free BT. I was advised by them to do all BTs over the telephone to ensure there are no charges.
That is why they say in T & C that they may make charges.
HTH