Unoffical Existing Customer Balance Transfers

ti1980

The APR on my account at the moment is 24.9 and they said the best they could do for me was to reduce that to 22.9% but in order to get that I would need to pay a £25 fee. I'm assuming the reduction in rate would have been permanent. The lady on the other end didn't mention otherwise.

I'm in the process of trying to clear one of my other accounts and when I do that in the next couple of months, I am going to do a BT and clear the account and then not use it and see if they contact me. I'm not going to contact them again for a least a month I think.

hopewer

Think it is worth clearing the balance and trying again. I managed to get 1.9% for 6 months and got the bt fee waivered today (though it took some serious threats to get this.)

ti1980

I've thrown every spare penny at my balance this month and will do for the next two months, then my balance should be clear.

If I got 1.9 for 6 months that would be just fab.

Probably won't have anything new to add here for the next two months now!

money_bags_2

looking 4 a c card shuffle found the new sky card got 1 with a wopping 6.3k limit had a barclay card with 2.5k to pay, sky is barclay card!!!! transfered to natwest (empty card then) transfered back to sky (barclaycard)..... cracker or what = 6 mths int free yipppppeeeeeeeeeeeeeee

raymaher

I had a letter today from marbles putting my a.p.r up from 9.9 to 12.9
I phoned them up and threatened to transfer it all to my capital one
at 6.9.for bt (standard rate is 10.9%)
After being transfered to somebody who could do something positive
I was offered 7.9% on everything for life.
Is this a reasonable result.

funkymonkey

just did another 0% for 6 months with MBNA - thats my third! ive only had it for a year and have never paid them any interest. i wonder wether they will let me have a forth!

i cleared my balance a week before the last 0% was due to run out - then they sent me a letter a couple of weeks later offering me another

Cactus_Jack

funkymonkey wrote:

just did another 0% for 6 months with MBNA - thats my third! ive only had it for a year and have never paid them any interest. i wonder wether they will let me have a forth!

How did you do this? Was it just a case of asking, and does it apply if you haven't paid off your balance yet? thanks

bungleberg

got 20k on lloyds, 7k on morgan stanley, 5k SBT on abbey and virgin, and 5k on sainsburys. Its all sitting in ING earning best part of £200 pcm interest TAX FREE as wife dont pay tax I fillled in IR85 form lol 42k in all hehehehhehe

Wot muppets these CC companies are lol

CTT_2

bungleberg wrote:

got 20k on lloyds, 7k on morgan stanley, 5k SBT on abbey and virgin, and 5k on sainsburys. Its all sitting in ING earning best part of £200 pcm interest TAX FREE as wife dont pay tax I fillled in IR85 form lol 42k in all hehehehhehe

Wot muppets these CC companies are lol

Give the man a bone....

maria_g_2

funkymonkey wrote:

just did another 0% for 6 months with MBNA - thats my third! ive only had it for a year and have never paid them any interest. i wonder wether they will let me have a forth!

i cleared my balance a week before the last 0% was due to run out - then they sent me a letter a couple of weeks later offering me another

Are you being charged a fee? What's your secret?