Which cards are best for offers?

creditcardnewbie

Hello to you all,

I will shortly be clearing the balances on 3 credit cards but before I go ahead and close the accounts I was wondering which of the 3 companies are best for offering future balance transfer deals or customer loyalty deals?

The cards I will be paying off shortly are:

Halifax one card APR 15.9% Current Limit £1,000
Barclaycard Football APR 13.9% Current Limit £2,500
Creation Silver Card APR 18.9% Current Limit £1,000

I realise that based on the APR's above the Barclaycard might be the one to stick with but I would be more interested in keeping one of the other cards open if their future loyalty transfer deals were better.

Many thanks for any help you can offer,

creditcardnewbie :beer:

[Deleted User]

I have a little utilised Halifax card and get BT and retail offers from them once every month or two. Can't comment on the others.

creditcardnewbie

Deleted_User wrote: »

I have a little utilised Halifax card and get BT and retail offers from them once every month or two. Can't comment on the others.

Hi zx81,

Thank you for your post. I am pretty new to Halifax myself so that is very encouraging what you have told me. That definitely sounds like what I am looking for.

Many thanks,

creditcardnewbie :beer:

Degenerate

Barclaycard also do good repeat offers. They offered me 12 month 0% in January.

creditcardnewbie

Degenerate wrote: »

Barclaycard also do good repeat offers. They offered me 12 month 0% in January.

Hi Degenerate,

Thank you for your post. 12 months 0% is fantastic. I did see from some of the posts on here that Barclaycard sometimes do (or did) a Life of Balance transfer of 6.9% also.

I reckon my decision will be between the Halifax and Barclaycard.

Many thanks again for posting,

creditcardnewbie :beer:

scott_lithgows

Silver card offrered me 0% for 9months with 3% fee,after filling in the form and posting it back 1st class,they sent me a letter 3 months later saying it was received too late for offer.Its now closed.

danouk

Barclaycard offer me 0% 12-month balance transfers every month. Worth keeping if you think you might have a balance you want to transfer in the future.

creditcardnewbie

scott_lithgows wrote: »

Silver card offrered me 0% for 9months with 3% fee,after filling in the form and posting it back 1st class,they sent me a letter 3 months later saying it was received too late for offer.Its now closed.

Hi Scott,

Thanks for posting. Sorry to hear about your experience with Silver. A similar thing happened to me when I first received my Silver card. I was told 9 months 0% but was then told it would only be 6 months 0%. I was told the 9 months offer had been withdrawn at the time of my application even though it was still advertised on their site. I did try pursuing it with their customer services but to no avail.

So, out of the 3 cards I think the Silver will "definitely" be closed.

Many thanks for your post,

creditcardnewbie :beer:

danouk wrote: »

Barclaycard offer me 0% 12-month balance transfers every month. Worth keeping if you think you might have a balance you want to transfer in the future.

Hi danouk,

Thanks for your post. I think I shall definitely be retaining the Barclaycard. The 12 month balance transfers offer is one that would definitely appeal to me a lot.

Many thanks for your post,

creditcardnewbie :beer: