Unoffical Existing Customer Balance Transfers

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The following thread is for people to post what Balance transfer offers they have actually !been given by their existing credit card companies. !To see the context of this thread please read my article 'the Credit Card Shuffle' by clicking
http://www.moneysavingexpert.com/cards/cut-credit-card-interest
Martin
IMPORTANT NOTE: Please remember this is about EXISTING customer balance transfers, it is not the 'new cardholder offers. What would be helpful is if you noted when you got the card, and how long you'd had it when they gave you asked for a new balance transfer deal.
http://www.moneysavingexpert.com/cards/cut-credit-card-interest
Martin
IMPORTANT NOTE: Please remember this is about EXISTING customer balance transfers, it is not the 'new cardholder offers. What would be helpful is if you noted when you got the card, and how long you'd had it when they gave you asked for a new balance transfer deal.
Martin Lewis, Money Saving Expert.
Please note, answers don't constitute financial advice, it is based on generalised journalistic research. Always ensure any decision is made with regards to your own individual circumstance.
Please note, answers don't constitute financial advice, it is based on generalised journalistic research. Always ensure any decision is made with regards to your own individual circumstance.
Don't miss out on urgent MoneySaving, get my weekly e-mail at www.moneysavingexpert.com/tips.
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with a 4.9% on balance transfer for life and 10.9%
on new purchases
Steve.
Just make sure you use it for business claims and rack up those BA miles... :P
My Barclaycard deal is as follows and you too can get the same deal...
The minimum spend for a Platinum Barclaycard is 1p per month including 0% on balance transfers. It also costs nothing to transfer the balance onto the Barclaycard! ;D
Anyway - great site and keep bringing on those money-saving tips! ::)
Yes I like using smileys :-[
I have also received my 0% offer from Barclays. ;D
I rang Abbey National and they offered to put £3,000 in my current bank account at a rate of 2.9% until January 2004, which meant I could pay my Virgin card off. The only problem is that I still have to pay off the existing Abbey National balance at a rate of 18.9% before I can start paying off the £3,0000.
22-Jul-2003 17:00
To: Ms J C
Re: Visa Account
Thank you for your message dated 20 Jul 2003.
Unfortunately we are unable to change the rate on your current card. If you wish we could convert your Credit Card into a Gold Card. This has a standard APR of 13.9% as opposed to your current APR of 14.9%.
There is however a low usage fee of 20 pounds on the Gold Visa, if you do not spend 1,200 pounds a year on the card then the fee is incurred.
Please call us or apply online if you wish to go ahead with a Gold Visa.
Please contact us if you require anything further.
Regards
Rick Bailey
Card Services
(offer is valid until end of August I believe)
They allocate monthly payments to new purchases ahead of BTs...so your BT is interest free for longer and you can pay off the balance relating to your purchases.
(this is the opposite of Barclaycards 0% for life offer)
LloydsTSB called the other day to say they had noticed my balance had reduced alot (funny that). I told them what I had done and they put me on hold for a while and came back and said I could have 1.9% on balance transfers for 12mths or 0% for 6.
Certainly a lot better than the 5.9% they tried to offer me before I explained what I had done. Don't think I can be bothered changing again now; the irony is if they had offered me the 6mths 0% up front I wouldn't have moved the balance to BC.