Unoffical Existing Customer Balance Transfers

mikeopvc

I've been waiting for virgin to offer a low rate so I can balance transfer but they just keep offering 10.9% with a 5% fee.

The latest offer expires 31 August but they will probably just renew the same offer which is really frustrating as I want to do the balance transfer but would prefer a rate of 0%

What are the chances of them agreeing to a 0% rate if I ring them up? Probably a 100% of a zero chance

jpwjpw

There is a nice 18 month 0% offer on my existing Lloyds Avios CC at the moment, 3% fee.

I don't need it at the moment, but it's worth checking your online account if you have this card and it would help you out.

pethorder

ive tried to reduce my interest rate with these they have done it for 3 months but because of my credit score i am unable to get a 0% balance transfer card witch would help greatly at the moment dose anyone know where i would be guaranteed a 0% balance transfer and do vanquis let you do this

djus

I was offered 0% 15 for months to my existing Halifax card with BT 3%

toontastic

I rang Sainsbury's bank to ask if they would cut my new 27% rate since my deal ended. Was told they don't cut rates for anybody so I've transferred the lot to Barclaycard.

Seems some cards are happy to get new customers but don't seem to care if they lose others. I'd have happily took a interest rate for life deal but never mind.

Candyapple

Halifax existing credit card (not Clarity card)

• Balance transfer offer of 0% for 18 months, 3% fee

• Money transfer to bank account at 0% for 15 months, 3% fee

pwllbwdr

HSBC 20 months at 0%, 2.9% fee.

beccawed86

Just called HSBC regarding my APR rate for my credit card which is currently 20.9%. I asked whether they were able to lower this rate so I am able to pay more of the debt off my card rather than just the interest I was getting each month which was amounting to a lot.
They put me through to someone who confirmed as I had been with HSBC for a long time (17 years!) that they could do a deal for me where they could reduce the APR rate to 4.9% for 6 months to help me. I asked whether they could extend that but they confirmed this was the maximum they could do but in 6 months time, I could contact them again to see if they were able to offer me any other help after this.
Worth a try calling up and seeing what they can do for you if you want to help clear your credit card debt. I'm going to get my husband to call up Barclaycard now to see if he can reduce that card down now!

Mysteek

pwllbwdr wrote: »

HSBC 20 months at 0%, 2.9% fee.

After transferring my HSBC balance to a 0% balance transfer offer on another card, I went into my HSBC account and found the same offer as above. I want to transfer another balance onto this. pwllbwdr did you take up this offer and how long did it take for them to confirm the transfer

pwllbwdr

Mysteek wrote: »

After transferring my HSBC balance to a 0% balance transfer offer on another card, I went into my HSBC account and found the same offer as above. I want to transfer another balance onto this. pwllbwdr did you take up this offer and how long did it take for them to confirm the transfer

Not yet but will be doing. Have done BTs with them in the past and they complete in a few days.