Credit card cheques without admin fee

YorkshireBoy

stevo84 wrote:

Whats the best BT card in your opinions??

The one that gives the highest limit, with the longest duration, and fee-free of course!!

There's a couple of lists here and here.

stevo84_2

thanks again yorkshire.

youre a star !! :j

Are there any other cards about that can offer a simmilar service to egg (just incase i get declined). I have a mint card which I believe offers 0% on credit card cheques (after 7 months of card being issued or in jan 07), but i would have to wait til jan 07 to write one! If anyone knows more please let me know!

thanks again folks,
Steve

P.S. Aswell as obtaining 2 new cards in the past month, I have just received confirmation of my morgage and a loan. probably not a good idea applying for an egg card just yet !!!

grumbler

stevo84 wrote:

probably not a good idea applying for an egg card just yet !!!

While waiting open Egg savings account to have better chances to be accepted for Egg Money later. See, for example, rejected for egg money ...

YorkshireBoy

stevo84 wrote:

P.S. Aswell as obtaining 2 new cards in the past month, I have just received confirmation of my morgage and a loan. probably not a good idea applying for an egg card just yet !!!

I note from your post on the stoozing board that you (might?) have 5 credit cards now, a £94K mortgage, and a £20K loan - and all on a salary of £15K.

I'm no expert, but I would have thought that once these are reported to the CRA's you will have great difficulty in obtaining any more credit at all.

stevo84_2

grumbler wrote:

While waiting open Egg savings account to have better chances to be accepted for Egg Money later. See, for example, rejected for egg money ...

Cheers grumbler, that looks a good idea. So do you think i should pay in £100 a month in to the saver and then in 6 months apply again for an egg money acc?

stevo84_2

YorkshireBoy wrote:

I note from your post on the stoozing board that you (might?) have 5 credit cards now, a £94K mortgage, and a £20K loan - and all on a salary of £15K.

I'm no expert, but I would have thought that once these are reported to the CRA's you will have great difficulty in obtaining any more credit at all.

Yes, your spot on. I mean im quite amazed that I got it all, although the morgage is through A+L and I have had a savings account with them with approx £1500 in it for a year and also have a cc with them which has always been kept in good standing so that may have helped. The loan was obtained at the same time as the morgage, dont know if that heas any affect on wht i managed to get both.

What I would like to do is try and pay off the loan using 0% cards and save a shed load of £ in interest!

Could be possible if I can get enough credit on 0% cards, however again catch 22 I have to wait to apply for more cards due to all this in a month.

I think I may cancel a couple of cards once I receive the sky and mint card through, that means ill stay at about 3 cards, a morgage and a loan.... then hopefully in 6 months ill be able to get a BT card and then shift the sky and mint debt on to that...

Thanks again for all your input folks, youre all great !! :cool:

Steve

grumbler

stevo84 wrote:

So do you think i should pay in £100 a month in to the saver and then in 6 months apply again for an egg money acc?

I think one £100 opening deposit or a few smaller regular ones will be sufficient.

stevo84_2

thanks again grumbler, will keep ya posted!!!

stevo84_2

just a quick brain wave, could I BT from my card to someonelse's egg money card?

just thinking if my missus could open an egg money acc, and then i BT to her card then back out to her account...??

could this work?! :rolleyes:

thanks again

Steve

neil40

Im lucky.Ive got about half a dozen credit card cheque books with no fee to use them.They come in very handy every month as a 0% if you just write yourself a cheque to pay a balance in full.They are from Capital One- i got them a while ago.They now send cheques charged at cash rate with a fee which i bin straight away!...........Neil