CC Balance Transfer question

loopyloulou_3 · 28 April 2006 at 3:41PM

I have got a 0% CC and want to transfer my next directory and other card balances onto it, do i just phone them (ie next) and pay off my account with the new card? i know this sounds stupid, but i didnt fill anything in the "balance transfer bit" of the applicaiton form

thanks

mom23 · 28 April 2006 at 3:45PM

Not to sure but i think you need to contact the cc company and say you want to do some B/T they will then do it for you!!

loopyloulou_3 · 28 April 2006 at 3:54PM

ah thats what i thought! i thought if i paid it off through catalogue it would be a purchase?! oh its so confusing!!

mom23 · 28 April 2006 at 3:58PM

Yes looby if it's 0% only on B/T'S you will need to contact them otherwise as you've just said if you just ring yourself and do it it will be classed as a purchase!!
IYKWIM!!lol
am confusing myself now lol

loopyloulou_3 · 28 April 2006 at 4:17PM

ha ha! i'll phone the cc just in case! i cant remember if it is 0% on purchases too, i am not planning on spending in shops on it!! far too dangerous!!

at least it is friday!! horrah!

alecpr · 28 April 2006 at 4:27PM

I have an Egg credit card and can do balance transfers from the egg website or by a call to Egg, just need a target account to send the money too. So you do need to contact your credit card company to do a transfer.

While you're there check for any fees, many credit cards charge 2 - 2.5% for doing a balance transfer these days...

CLAPTON · 28 April 2006 at 6:16PM

you really need to read the exact conditions ....is it a 0% balance transfer card or a 0% spend card (or both).

if its a balance transfer card you must contact the new cc company and NOT the the ones you want to transfer from. you will need the cards in front of you as they will need the card numbers.

Is NEXT a credit card or a catalogue...you may not be able to transfer a catalogue balance.

which card is it?