Unoffical Existing Customer Balance Transfers

jon142

M&S Money;

7 Months Purcahses & 7 Months BT @ 2.9% Fee. offered when phoned up to cancel

Also recieved a 12month BT offer via post.

Using about 10% of my available credit with them.

hesjane

blitzboy wrote: »

Wow!

The longest i've ever seen is 12 months, currently only offering 6 months on mine.

Thats longer than any new card you can get! (although the BT fee is higher)

I agree - good long time period and to me it would be worth the BT fee being slighter higher to save having a credit check on my file.

At the moment though I don't have a balance to transfer and there is nothing I need that would make it worth me taking up the offer.

I posted this because Barclaycard didn't contact me with the offer, I just clicked on the transfer option of my online account to see what offers were available - so others may have this offer and not be aware of it.

RRRRodgA

Just curious as to what people find to be the best way to go about getting these offers? I know simply asking usually is but state of the balance etc?

Essentially my scenario is to try and get my debts down/done in the next 14/16 months but I have a 0% period coming to an end on an MBNA card. Now I hold an existing card with RBS(Main bank) whereby they offered me a 6months interest free on Purchases in March. With my deal coming to an end with MBNA in September I'd be ideally looking for 12 months interest free without applying for another card.

I'll have around £900 of the credit used (4800 total limit) on the RBS card and will be looking to pay it off fully before doing the balance transfer.

So how best should I approach this? Call and ask while the balance is still on at the moment or clear the balance first before I speak to them about any existing offers? Just curious what people have found to be the best method of approach.

hillendale

Received an offer on my existing Barclaycard 0 % for 18 months
3.9% fee

MrGreen

RRRRodgA wrote: »

So how best should I approach this? Call and ask while the balance is still on at the moment or clear the balance first before I speak to them about any existing offers? Just curious what people have found to be the best method of approach.

What you will have to do is pay off all of the balance or transfer to another card, my experiences with Mbna have been that once the card has been paid off or the term is near it's end they offer another 0% offer with a fee.

I friend of mine only got his 0% offer with Mbna when he called to cancel the card after paying off the balance.

newbridge

hillendale wrote: »

Received an offer on my existing Barclaycard 0 % for 18 months
3.9% fee

How did you get that. By post or online or by asking to leave? I have been waiting for a offer like this since last 2 months. I am also keeping the balance to 0 assuming they would offer me.

ginlin

gkb wrote: »

Same issues on Virgin, no offers for several months since I paid off the last balance, phoned up still no offers so asked to cancel and they did it right there, no attempt to retain me at all.
Asked how long before I could reapply and she said tomorrow !!

Barclaycard I am having the same problems paying a balance on Nationwide Select, I rang them up but could not get the bloke on the other end to understand what I was talking about and I could hardly understand him, all he would do is ask if I wanted to do a transfer. Will try again and hope I get someone who is more with it.

Did you get any joy doing the BT from Nationwide Select to Barclaycard, because I still can't do it online!

udydudy

newbridge wrote: »

How did you get that. By post or online or by asking to leave? I have been waiting for a offer like this since last 2 months. I am also keeping the balance to 0 assuming they would offer me.

Normally spend a bit on it and then they offer you a promo BT hoping you would do the BT and then pay standard interest on your purchases

gkb_2

ginlin wrote: »

Did you get any joy doing the BT from Nationwide Select to Barclaycard, because I still can't do it online!

No joy at all, went through several people till I got someone who would actually listen to my query but even then they kept saying it worked fine on their system and did not seem prepared to actually investigate the online issue.

I have also tried to do it through my girlfriends Barclaycard as well and if you are having issues to it must be a system thing at their end but they dont seem to be interested in sorting it out. You can do it if you ring them but that defeats the point of the online system which in all other ways is better than most websites.

bpsp10

I get offers from Virgin every other month for 15 month 0% Balance Transfers with 3.5% fee (used to be 3% fee!).
It's great that I can pretty much rely on always having that option for me once my other cards run out on their 0% deals.