top credit card-transfer fees

pec1960

hi martin,
i have a problem............
on your advice i applied for a nspcc credit card(no transfer fee/9 months interest free)....i have now been informed by the royal bank of scotland that there is a 2% transfer fee?why?
i thought this was guaranteed if i applied through the link on your site?
please clarify?
i havent actually got the card yet..but....
thank you...
regards
paul

The_Boss

My name isnt Martin so I guess that means you wouldnt want any of my advice.

pec1960

The_Boss wrote:

My name isnt Martin so I guess that means you wouldnt want any of my advice.

your name isnt the boss either,but i would love som advice?

The_Boss

Oh but I AM the Boss :beer:

pec1960

The_Boss wrote:

Oh but I AM the Boss :beer:

cheers!!!
and that advice?
lets see you live up to that name?

Milarky

Shirley - terms can change between being advertised and being applied for? Even if you apply on an 'old form' they chose to accept (i.e. offer you) the terms applicable at the time. The 'Agreement' isn't struck on the application - only on the Agreement which they send you to sign.

'Instant accetance' is anohter matter of course. Provided the online details are the ones you wan't. In such cases make printed or cached copy as they probably advise anyway.

HTH

grumbler

Read Charity Cards - BTF thread and check your copy of Credit Agreement ...

Clariman

pec1960 wrote:

hi martin,
i have a problem............
on your advice i applied for a nspcc credit card(no transfer fee/9 months interest free)....i have now been informed by the royal bank of scotland that there is a 2% transfer fee?why?
i thought this was guaranteed if i applied through the link on your site?
please clarify?
i havent actually got the card yet..but....
thank you...
regards
paul

Just a small point Paul. The NSPCC card is issued by Halifax Bank of Scotland (HBOS), not the Royal Bank of Scotland.

The NSPCC website in its Credit Card Summary box says

Balance Transfer Fee 2% or minimum £2 (on promotional rates except introductory offer)

... which I understand to mean that there is normally a BT Fee charged but not during the initial 9 months at 0%.

Clariman

pec1960

grumbler wrote:

Read Charity Cards - BTF thread and check your copy of Credit Agreement ...

yes it all sounds like a con to me?mse has got it totally wrong!!!!!

MSE_Martin

No. MSE has got it right. Unfortuantely this isn't the first we heard (in fact one of the team members here has had the same experience), it seems the customer service team at HBOS have been given the wrong information. We have in writing and confirmed that there is no balance transfer fee - this is the correct information.

This is of course via the direct links as you can get these cards through other sites and there is a fee. I promise this is thoroughly checked out and i am talking to HBOS about getting its act together!

Martin

pec1960

Clariman wrote:

Just a small point Paul. The NSPCC card is issued by Halifax Bank of Scotland (HBOS), not the Royal Bank of Scotland.

The NSPCC website in its Credit Card Summary box says

... which I understand to mean that there is normally a BT Fee charged but not during the initial 9 months at 0%.

Clariman

yes i know but mse states this is the best transfer card without a fee involved!!!!can we sue mse for misleading/false info?about 2% should do it...