Unoffical Existing Customer Balance Transfers

Stoneman_2

Barclaycard increased my balance by £1200 in august and also offered me 6.9% life of balance at the same time. (which I took)

Noticed yesterday that they are offering me 6.9% again, but I've only got about £300 available limit.

They must be desperate for my business.

scott_lithgows

RBS- 15 months 0%,with 4% fee.done deal!

thenudeone

Held: 2 yrs. Rarely used since initial offer expired. £5.1k limit

New Offer 0% - BT til Sept. 2012 statement. 3% fee.

54druids

i have never been offered anything from tescos unless i asked first:)

kev25v6

Natwest have just sent out an offer of 3% fee and 12 months 0% interest for balance transfers made within October for existing customers.

manic

kev25v6 wrote: »

Natwest have just sent out an offer of 3% fee and 12 months 0% interest for balance transfers made within October for existing customers.

I got this too.

Has anyone been successful at negotiating a lower fee?

badobsession81

Hi,

Just thought I'd add that HSBS wrote to say that they were increasing my CC APR from 15.9 to 17.9. I called them and explained that this made this card no longer competitive and asked them to consider my previous management of the account and got them to retain my APR at 15.9 without needing to close the account. I even think I probably could have got more.

Always worth asking.

The review letter was vague, but I confirmed with the advisor that it was likely due to me only paying min payment recently (and them not earning enough interest from that perhaps?) - when I asked them to reconsider and review my management of the account over the last 7/8 years they could see that I normally pay more and had never missed a payment.

Is this what most people experience? I assume these 'reviews' are based on automated 'triggers' based on account activity etc?

badobsession81

Also, I'm seeking some advice on this...

I've been offered 6.9% Life of balance on my barclaycard, but only have approx £550 available and a credit limit of £2800. Is it worth requesting an increase to move more across to barclaycard, and if so what percentage increase is considered acceptable/most likely to succeed?

I've got accounts with Egg (£3500 limit, £2200 balance), RBS World (£2000 limit, £0 balance) and HSBC (£4000 limit, £3400 balance).

Also, concerned about Egg being taken over by Barclaycard and whether this means I wouldn't be able to transfer a balance from Egg to Barclaycard...?

I've never missed a payment on any of these accounts, but my level of borrowing is obviously quite high when you set that against my mortgage (joint with my fiance) and HSBC loan (£3700 outstanding, £167 per month) due to end in just under 2 years.

Any advice greatly appreciated. Let me know if you need any more info.

Bob

scott_lithgows

Sainsbury 2.95% for 24 months,3% fee.

Not sure if this is a good deal or not!

thenudeone

Barclaycard Platinum.
Account open less than 1 yr.
Balance from initial 0% balance transfer offer still on the card
Been offered 0% BT til 1/4/12 for a 2.9% fee.