Only 12 Month 0% Balance Transfer Card Being Ditched?

deemy2004

Reaper wrote:

lol. I though all the new offers were meant to apear in January? There haven't been many and instead existing cashbacks and now this BT have been withdrawn.

Still hoping for a killer offer, January is not quite over yet...

Yeh, I waited till last week, with nothing new, apart from IF card I thought I better get my skates on and applied for 4 cards. Now still contemplating an app for First Direct.

Tharweb

Have I just missed the boat on this? I can only find an offer of 6 months at 0%. Is there a "secret" link?

Labasheedy

http://www.lloydstsb.com/credit_cards.asp?link=top_navigation

Looks like it's gone!
It was the Advance card, but appears to be now only 6 months.

deemy2004

Yep its astlavista baby to the 12 month card.

6 months aint so bad ...... (crummy blue smiley)

silvercloud_3

Just got my £15k TSB Advance card approved, 0% for 12m, didn't close my TSB platinum card after 0% offer ended, they sent me a c/c cheque to use, repeating 0% offer for six months, that is another £13k at0% for six months.

Sometimes not closing cards after promotional offer is good!

aliasojo

If they were closing the offer, I wonder if that's why we didn't get accepted. We didn't even get to finish all the screens.....we got as far as employment details but there were still 2 tabs after that. I thought it funny at the time that the process seemed to get cut short. Oh well, need to wait and see.

nearlyrich

I got turned down for this which was a bit of shock as I don't have any debts except about £5K stoozed on EGG & FD Gold. My credit history is good, never had a default or even a missed payment, I always clear my CC balance every month. I have a decent salary and a secure job, our mortgage is paid off, the house is worth over £200K. Not sure what they were looking for here but obviously not me! LOL.

Anyway I don't mind really because today I got a Barclaycard with 0% for a year fee free BTs in 1st 60 days. I only got £5400 CL but it's OK because I just wanted to move that £5k which becomes due anytime. I can keep the £5k in my ING account earning 5% for a year so I should make £200 in rough figures.

I have appealed to Lloyds on principle but if the deals gone I will tell them I don't want it anymore if they change their minds.:p

sooziwong

Hi Martin,
This is my first post, I would be DELIGHTED to get a personal reply, you are my hero - yes really !

I was lucky enough to get a Lloyds Advance TSB 0% for 12 months last week to do a BT from MBNA ending offer of 9 months. Did my BT which has gone through and have been considering a further BT before the 6 week limit is up. This is from a Nationwide CC opened for holiday use, 0% which ends in March. ( I'm learning fast Martin !).

Should I still get 0 % for 12 months on the second BT, after all that was my agreement with them ?

I also have a Sainsbury CC 0% 12 months for purchases. I make sure I use each card for its specific purpose.

I saw the light with C Cards when 4 yrs ago I was refused a Store Card in front of a shop full of people, because I had missed a £5 payment on another card, whose balance was £50.

It was the best thing that could have happened to me, and the CC companies have not had a penny in interest since.
I always set up a D Debit immediately a new account is opened and close all accounts once the offer has ended . ( I love that phone call !)

I am proud to be a Tart. Revenge is sweet.
Would just love a reply Martin, husband says I dont stand a chance !

Sooziwong.

MSE_Martin

An interesting lesson - seems your husband isn't always right

Yes all the above sounds right - and providing your Lloyds TSB BT is within the 6 weeks and you haven't gone over the credit limit it should be at 0% for 12 months.

Keep on tarting

Martin

Hobo_2

Hi Martin, any particular reason why MBNA is now your top pick, as now they charge a fee for BT`s what about HBOS/affinity cards 0% 9mths BT & Purchase also Citi 0% 9mth BT both with no BT fees i beleive