Unoffical Existing Customer Balance Transfers

bella123

my 0% deal runs out next month,LTSB have just offered me 4,9% LOB. :rotfl: :rotfl:

M_Thomson

MBNA have offered me 0.9% for another six months capped at a £50 fee. This is the 4 time in a row I have had this

Yaja

whats ur secret? size of bt? any 'key words' to use? do u clear balance first?

kitster_2

Natwest charging 2% for bt's has this always been the case or recent? i'm sure when i applied i'd have spotted this.

ti1980

Marbles don't want to offer me anything lower than 9.9%. How did you get 5.9%?

M_Thomson

Yaja wrote:

whats ur secret? size of bt? any 'key words' to use? do u clear balance first?

Yes,
I clear my balance first by transferring a balance to a higher rate card for just a few days and I call the customer loyalty department and as what special offers they can offer me at the moment. I always ask to transfer the maximum 95% of my credit limit to my bank account. I stick the rest of the money that I don't need in a high interest savings account.

Yaja

ti1980 wrote:

Marbles don't want to offer me anything lower than 9.9%. How did you get 5.9%?

its 5.9% with 2% fee = 10% if u do the maths.

ti1980

If I could do the Maths, then I would but my Maths skills are shabby to say the least.

Yaja

ti1980 wrote:

If I could do the Maths, then I would but my Maths skills are shabby to say the least.

it wasnt a dig.. sorry, it came out wrong

ti1980

Not a problem, I didn't take it as a dig. Just reading my post it makes me look like I'm being defensive which I wasn't (intentionally) doing.
I tried phoning up Marbles again and they quoted me the same 9.9% for 6 months with a 2% fee. This is really high but still not as high as my overdraft which is at 14.8% :O