Unoffical Existing Customer Balance Transfers

udydudy

blitzboy wrote: »

Not the best offer, but thats the first time I've heard any sort of existing customer offer from Nationwide!

Nationwide normally do not, but sometimes on a bluemoon day they do...around 12-15 months back they had given OH a similar offer in the post. They seem to want to not look like a sore thumb by not offering anything compared to others so they make an offer "you can refuse".!!!

cutestkids

Just got a 0% balance transfer from Barclaycard Visa till Jan 2014 it used to be an Egg card.

My partner got the same deal on his

hampshirebabe

Anyone got an asda card? I used to get offers on the back of my statements, but as I've no balance I dont get statements, so no new offers. They used to offer quite good deals.

scott_lithgows

Post Office 12 months 0% (3.2% fee)

kezy25

ive got a santander credit card im up to the limit of £1700 im wanting to find a credit card that i can transfer the balnce with , ive tried some card applications and been refused , my rating isnt great but im wanting to get ontop of my finances , could you suggest anything ?

sabretoothtigger

Regular use and payment helps credit rating. Register to vote and so on, some cards might be worth trying first but most are cherry picking the best payers/risks

hampshirebabe wrote: »

Anyone got an asda card? I used to get offers on the back of my statements, but as I've no balance I dont get statements, so no new offers. They used to offer quite good deals.

Sounds like an excuse to use the card just briefly every now and again, so long as you are disciplined about it

kezy25

i dont want to use the card now and again im just looking for the best deal and if anyone on here had any suggestions thats all , like i say im wanting to sort my finances out , i do pay my bills just looking around for best deals really

blitzboy

For the first time EVER in my many years with Barclaycard, I don't have an existing customer balance transfer offer on my account :shocked:.

Not that I want/need it at the moment, I just look out of curiosity occasionally when I log in to check the account. Oddly, my credit file is probably in the best shape it's ever been at the moment :undecided.

Signs of credit being harder to get again maybe?

udydudy

Some new offers on existing accounts
from barclaycard
1st Acct: 0% upto April 2013 with 3% BT fee(6.5 months)
2nd Acct: 0% upto August 2013 with 3% BT fee(9.5 months)

Halifax
0% for 9 months 3% BT Fee

pjread

udydudy wrote: »

I would suggest call halifax and ask if they do money transfer. Sometimes they do allow it. I have done a money transfer with halifax to my current account. i.e. they will allow you to move money in to your current account and the credit card will have the balance as a promo(similar to BT but to currennt acct). Then you can use this money to pay halifax the costly debt.

e.g. As you have a limit of 14k and balance of 4k you woll be allowed (I think) 95% of the 10k to be transferred. so if they allow a money transfer you can say transfer 4k to your current account. then this 4k will be cash in your current acct and will show up as outstanding balance at 0% on your halifax card along with the 4k @16.9%

Use the 4k in your current acct to repay halifax and this would go towards costliest debt and will clear your 16.9% debt. The 2.2k on mbna is anyway 0% upto july 2013 which is more than 10 months.

try your luck, call them up and if they offer it great.

Sorry can you clarify, Halifax are known to have given existing customers a 0% money transfer to their current account?? Any more info, how long did you get that for and what kind of fee did they charge?

If that adds up then it's potentially awesome news...