1.9% pa BTs for <5 months with egg

Derek_Duval

Thanks Hope I get the offer, with 15K limit on my green waiting till my july anniversary offer, this would be ideal, stoozed at 5.5%(4.4% net) giving 2.5% overall should be worth around £150 over the 5 months.

weatherwax_2

Dammit, I can't get my head round this thread (let alone the anniversary thing!), so help welcomed!

Our 6 month 0% BT to Egg runs out on the 1st of May. We've made no purchases so are paying off the BT only.

Errr, what next? :-/ :-[

deemy2004

You clear the balance in its entirety by the 1st of May 05.
Then you wait for the anniversary of your account for another 5 months freebie at 0%. If you don't know when the anniversary is, send them a secure message asking them the month its due.

weatherwax_2

You clear the balance in its entirety by the 1st of May 05.
Then you wait for the anniversary of your account for another 5 months freebie at 0%. If you don't know when the anniversary is, send them a secure message asking them the month its due.

Thanks, deemy, but we can't clear it by May 1st; we'll be looking for somewhere else to BT it to and so on until we clear it. So I guess the thread is'nt relevant to us.

boltonian

I heard that requesting 2k rise each day results in never being refused? Worked for me, up to 15k now with no rejections.

Now, I got the 1.9% offer email, but is it worth it transfering the full 15k to my A+L saver 5.5% for the 5 months?

I know it is profit, but will it interfere with my 05 Anniversary offer in June?

deemy2004

Its relatively easy to get to 15k on-line for most people as no human checks are done. Now getting above £15k requires human intervention.

I would jump at 1.9% ! Transfer now, then pay it off before your anniversary starts, then transfer again on anniversary- easy money. Your looking at a profit of about £220 on the 1.9%.

Dave79_2

I heard that requesting 2k rise each day results in never being refused? Worked for me, up to 15k now with no rejections.

Fantastic. I just tried to up mine from £3k (where it's been stuck for years) to £5k and it said yes straight away. Will see how far up this will go.

I've not had the 1.9% yet, but I think my anniversary is next month so they may be holding off for that. I got a £10k offset loan with IF at 9.9%, so this will save me a fortune over 5 months. In fact, as I got half of it offset already I may actually earn some interest!

40079

My anniversary month is May so I've just taken a £15k advantage of their 1.9% offer.

Don't forget to reset your monthly payments if you do this (or the anniversary offer for that matter). Back in October I had changed my direct debit to "pay the full amount" to pay off before the 0% ended and that is waht their system still had recorded of course.

Assuming you have a direct debit on place just go through the "regular payment" option and change it back to "pay minimum amount" until the appropriate date.

Derek_Duval

I emailed egg, & asked if the offer applied to me, & I got the following response.

[glow=orange,2,300]Thanks for your message.

I can only offer you 14.9% APR typical variable.

You may have promotional rates sent you periodically, but I'm sorry that I cannot give you 1.9% at the moment. [/glow]

Margaret_Millne

Yep, my husband got the same. Apparently my son is already on an offer from a couple of months back - didn't bother to tell the rest of his family about it of course >:(

Having said that, from the response we are getting when asking about it, it probably would not have made any difference if he had.