Unoffical Existing Customer Balance Transfers

dhassen

I'm going to have zero balance on my Virgin card sometime next month, due to a balance transfer deal from another of my cards. I was hoping to ring them up for a balance transfer deal for my 3rd card. If I manage that all my CC debt will be on lower or 0% rates: good news.

Do people think I'm likely to get an offer from them if I ring up soon after having 0 balance? I was going to wait until I get 0 balance in writing on a statement, and play the 'I'd like to close the account' card. What do you guys think?

Henwen

Worth a try but I failed. Just tried to get a better deal on my HSBC mastercard. My 0% came to an end this month and they offered me 7.9%. I rand customer services and said I would leave unless they reduced the new rate as new customers were offered 2.9%. They didn't even meet me half way or shave a bit off to show willing. Ho hum. I'm off elsewhere.

dhassen

Henwen, did you have 0 balance?

Jostick

dhassen wrote: »

I'm going to have zero balance on my Virgin card sometime next month, due to a balance transfer deal from another of my cards. I was hoping to ring them up for a balance transfer deal for my 3rd card. If I manage that all my CC debt will be on lower or 0% rates: good news.

Do people think I'm likely to get an offer from them if I ring up soon after having 0 balance? I was going to wait until I get 0 balance in writing on a statement, and play the 'I'd like to close the account' card. What do you guys think?

My 0% deal ended last month and was paid up in full. Just thought I'd try a call. Bless them! Another 0% till Jan 09 with a £50 capped fee!! "Oh I was hoping to be able to transfer £15k, is there any chance of looking at my credit limit?" "No probs sir. £16k OK?" !!!

Have just 'phoned back and with a bit of chat managed to get £15.5k transfered to Egg Money (to go through the savings account to get cashback) and thence to my offset mortgage! Oh happy day!

Sorry if I'm crowing but I had to tell someone! :j

dhassen

nice one was that Virgin then?

NickX

Jostick wrote: »

Another 0% till Jan 09 with a £50 capped fee!!

Is the Virgin White American Express card that had the capped fee originally ?

I'm hearing positive stories of repeats on this card :beer:

Jostick

dhassen wrote: »

nice one was that Virgin then?

Yes, that's correct. According to the rep the white AmEx card is difficult to get but if you get one hang on to it! I didn't threaten to leave just asked if there were any deals available and they put me through to the next department.

dhassen

Cool, well I'm going to give it a go anyway, hopefully they'll sort me out with something.

NewbieMoneySaver**

I have had two good days with my cards.

Got 5.9% for LOB with three of my Halifax cards and then yesterday got another 10Months 0% with MBNA.

Whats happening about this credit crunch? The card companies just keep giving us all good deals.

Get in there...

King_Weasel

And I've just had 2 bad days - turned down by Sainsbury and Tesco. Now waiting interminably for verdict on wife's Virgin application.

I suppose the problem is simply too much credit and/or debt (all at 0%, of course). Looks like I'm going to have to cash some instant access ISAs, but I'm hoping
not to have to clear too much debt this year.

Not heard of Virgin Am Ex White before. I've already got a Virgin card for 0% on purchases - does this prevent me going for this one?