M&S Credit Card

Stoneman_2

Has anyone out there had any existing customer balance transfer offers from M&S recently?

I am using £2500 out of a possible £8500 limit so I called their CS and was told that from 'Time to Time' they do send out offers.

I have been with them for over 4 years now and the only offer I've had was the original 3.9% LOB.

I've never missed a payment with them either.

I explained to them that I would prefer to do a balance transfer with them (even if its not 0%) and pay them the interest, rather then getting a 0% deal somewhere else, but they wouldnt budge!

I now have a dilemma as I have 6K of available credit with them that is unlikely to get used and it would probably count against me if I applied for more credit, but I don't want to reduce my limit, just in case they do make me an offer at some point!!

Dawning

No. I've had my card for approx 10 years, they used to send me offers regularly but I've had nothing from them for about a year. I'd been hoping for a 0% from them but absolutely nothing. Haven't actually called them to discuss it, but certainly the regular offers they used to send me in the mail have now disappeared.

bouncydog1

About a year ago they sent me a letter offering special BT rates. When I called them, they advised there was nothing available and letter had been sent in error. Card has a LOB rate at 3.9% and when it is paid I shall cancel. Barclaycard, Halifax & MBNA all regularly make offers so I don't need the M & S one.

Stoneman_2

I'm not in the position to pay it all off yet, so will reduce the limit by 6k and then apply for a new card in a couple of months.