Virgin apart,any other good BT to current account deals?

ferry

Looking for a short term loan,but think a better bet might be a CC with a good deal on BT's to current accounts.

Any ideas please on any others apart from Virgin that do this as I already hold this card..?

Thanks as usual
F

Moggles_2

You'd get until 1 October 2010 with Egg. A 3% BT fee applies.

http://new.egg.com/visitor/0,,3_84106--View_1763,00.html

ferry

Sorry Moggles,I neglected to mention that as I have paid off both my Egg card and Mint card and closed them down around 3 months ago they're out of the question..

Thanks
F

YorkshireBoy

ferry wrote: »

Looking for a short term loan

Define "short term".

If less than 10 months, then a 1% fee for M&S Sterling travellers cheques might be worth considering.

Moggles_2

ferry wrote: »

Sorry Moggles, I neglected to mention that as I have paid off both my Egg card and Mint card and closed them down around 3 months ago they're out of the question.

Yes, Egg will not consider applications from former customers for 12 months following closure.

Have you considered the Bank of Ireland's Post Office card?
12 months at 0% is currently available to new customers on money transfers made in the first 3 mths. There's a 2.98% handling fee.
Also, 5 months at 0% on new transfers requested in the month of your 1st and 2nd anniversary

http://www.postoffice.co.uk/portal/po/jump2?catId=19400177

ferry

YorkshireBoy wrote: »

Define "short term".

If less than 10 months, then a 1% fee for M&S Sterling travellers cheques might be worth considering.

Probably less than 6 months,I'd say

ferry

Moggles wrote: »

Yes, Egg will not consider applications from former customers for 12 months following closure.

Have you considered the Bank of Ireland's Post Office card?
12 months at 0% is currently available to new customers on money transfers made in the first 3 mths. There's a 2.98% handling fee.
Also, 5 months at 0% on new transfers requested in the month of your 1st and 2nd anniversary

http://www.postoffice.co.uk/portal/po/jump2?catId=19400177

Thanks-looks good.
I take it a BT to my current a/c is considered a 'moneu transfer'...just to confirm please.

YorkshireBoy

ferry wrote: »

Thanks-looks good.

Really? It's 3 times the cost of the M&S deal...for an unnecessary 2-6 months more 0% (you said 6 months was "probably" long enough).

I take it a BT to my current a/c is considered a 'moneu transfer'...just to confirm please.

No, it's a balance transfer. "Balance transfer" is defined in the T&Cs as either a credit card or overdraft debt that you owe. The words "that you owe" are important because they used to have a nasty habit of asking for proof of the debt, ie a statement, to be sent before they'd action the BT. Could be a problem if there's no debt existing in the current account?

Moggles_2

ferry wrote: »

Thanks-looks good. I take it a BT to my current a/c is considered a 'money transfer'...just to confirm please.

Good question.

MBNA's staff refer to "money transfers" certainly, but when dealing with the Bank of Ireland, I requested a transfer of funds from my PO card to my current account and confirmed this would be charged at 0% before taking up the offer. You can't be too careful

Very best
M

ferry

YorkshireBoy wrote: »

Define "short term".

If less than 10 months, then a 1% fee for M&S Sterling travellers cheques might be worth considering.

YB
Could I ask how this works...a link would be perfect.

Thank you
F

YorkshireBoy

ferry wrote: »

Could I ask how this works...a link would be perfect.

In a nutshell...

Get M&S card
Buy Sterling TCs with card from M&S bureau de change (in-store/online/telephone)
Take TCs to bank and pay in
Withdraw funds

In slightly more detail...

http://www.stoozing.com/forum/YaBB.pl?num=1159043738/0 (very, very, long thread)