Any tricks for getting 0% on an existing card?

veryunsure

MBNA don't allow BTs between their own accounts in my experience

Rupert_Bear

13Kent wrote: »

Have about £6000 on a 0% deal that is due to end in Dec.

Cannot take out a new card.

Have a few existing cards, all with £0 balance. Have rung a couple, and the best deal so far is 2.5% transfer fee with 6.9% for the life of the balance.

Obviously would like another 0% deal if possible.

Don't want to jump into anything too quickly as have more than a month left on 0% but want to be prepared and get it sorted before the 0% deal runs out obviously.

Wondered if it was likely that credit card companies would start offering 0% deals with Xmas coming up.

Any suggestions for getting a better deal would be welcomed.

~Thanks

No tricks. Run your account well and like me you will receive regular excellent 0% offers. I have about 4 offers on my Virgin card up until Aug 10 and BC Cashback up until Sept 10. Both o%. with the usual fee between 2.5 and 3%

13Kent

Does that mean Virgin are likely to offer me a follow on 0% deal or will I need to move the money first?

Moggles_2

13Kent wrote: »

Does that mean Virgin are likely to offer me a follow on 0% deal or will I need to move the money first?

Yes, you would be in a much stronger position to negotiate, once you've paid off the balance either yourself or courtesy of another 0% BT card

13Kent

Thanks thought so but that brings be back to the original problem!!

13Kent

MBNA have offered me 0% until July 2010. As I can't transfer from Virgin to MBNA I can put the money into my bank - up to £10000 with a 4% fee.

Seems ok, can someone advise me if this is the way to go to pay off my £6000 Virgin card - the 0% on that comes to an end in Dec.

Should I hang on a bit longer or grab this deal?

Thanks.

YorkshireBoy

I'd take it now if I was you. Did it come from customer loyalty on the number I gave you earlier in the thread? If not, give them a ring to see if they can 'tweak' the fee.

Otherwise take it, it's a good deal.

Just a thought...do you have an Egg card, either the Egg Card or Egg Money card?

13Kent

It wasn't it was the number on the back of the card. Will try them as well though.

no have no egg cards.

13Kent

Rang the number you gave they offered me 1.9% for 9 months with a 4% fee, when I haggled they then offered me 0% until April with 4% fee, then 0% until July after I pressed them, but put me under pressure by saying "that deal is for today only it might not be there tomorrow!"

13Kent

When I rang marbles they said they are not doing any balance transfers - company policy- and they haven't done any for the past month.

Anyone know why?