Virgin 9months 0% NO FEE

Any

Just activated my new Virgin Money this morning and transfered my M&S balance there...

Unfortunately my stoozing NatWest special bonus savings account ends in Sept/Oct, but I have quite a lot of space on my First Direct fixed ISA account... at 4%.

Actually thinking of trying to pay the card off with my normal monthly earnings and just keep that balance in the ISA forever... I am terrible at normal monthly saving (only transfer left overs on the end of the month!!), seeing this nice balance there might give me the right kick to stop spending too much...:rotfl:

donny-gal

Any - I have alway found that I can pay a debt easier than saving, it has more significance to me, so forget the savings and treat it as a debt to pay in 9 months, paying a 9th into a savings account each month if you can, then you will be able to clear it and keep your nice balance.
DG

Any

donny-gal wrote: »

Any - I have alway found that I can pay a debt easier than saving, it has more significance to me, so forget the savings and treat it as a debt to pay in 9 months, paying a 9th into a savings account each month if you can, then you will be able to clear it and keep your nice balance.
DG

Yes, that is what I am thinking.. :rotfl:

I had a BT done to this one from past stoozing card so I have the full amount to pay it off whenever... So I was going to put it into the savings account now and just take out any money that I don't manage to pay off at the end:T

Nailer99

Did anyone have any success getting them to raise the credit limit from the original offer? I have maxed out my credit limit, and (like Oliver Twist) want some more.

I have another MBNA card with a similar credit limit. Does anyone know how / if one can transfer the limit from one card to the other?

YorkshireBoy

danb77 wrote: »

I have another MBNA card with a similar credit limit. Does anyone know how / if one can transfer the limit from one card to the other?

Yes you can.

Nailer99

Hi Yorkshire boy! how does that work? Do I just phone up Virgin and ask?

YorkshireBoy

danb77 wrote: »

Hi Yorkshire boy! how does that work? Do I just phone up Virgin and ask?

Yes, but for future reference the best time to ask is at the end of a phone application or during the activation call.

Watch out for a 1st 30/60 day clause. Are you still within it if they grant your request?

Nailer99

yes! :-) Will try right now and report back.

YorkshireBoy

Don't be talked into closing the other account. Keep it open (with a small £100/500 limit) and double your chances of future offers.

CannyJock

Been mulling this over myself. Reckon it's still best to keep the old MBNA card with £100 limit if they're pulling back on profitable repeat deals or better to clear the card and reapply as a new customer? I've been planning on transferring the full CL and closing my Virgin Money card first sniff I get of a profitable non-VM deal.