Unoffical Existing Customer Balance Transfers

laminki

doodle bug

swallow your pride m'friend

phone them back

tell the person the deal you were offered and that you will accept it now, thank-you-very-much!

Hope they're still feeling generous.

you can get their feephone number from saynoto0870.com

doodle_bug

I have thought about ringing them back, they have since sent stuff through the post with a cheque but the interest is 2.9 They even said on the phone to me to put it in the bank and earn interest for 7 months, the temptation would be there to spend it and that's why they do it.

System

Just read your articles on existing credit card customers.
I have been with MBNA for approx 5 years never paid more than 8.9%. Also have Barclaycard Visa so applied for there Mastercard & have been accepted for it but only 0% till February 05 & have to pay 2% handling fee.
Dont like the idea cos it would cost me £66 to transfer £3000.
Solution ring MBNA on there 0800 freephone number ask what they have to offer on transfers,there answer 6 months at 0% + £35 max handling fee.(could I do better ? ) tell them not to sure about it, they answer how about 9 months at 0% + £35 handling fee. take them up on that as just saved £31 handling + extra month at 0%.

comdw

Just came to the end of my 9 month 0% introductory rate on my MBNA card. I've already transferred the £7000 balance to another card, so I rang up today to cancel the MBNA card and was surprised that they offered me the following deal:

Credit rate increased to £8800, balance transfer £8600 today at 0.9% (transfer to a current account allowed) for 6 months. No handling charge to pay.

Needless to say I took them up on this offer - my alternative was to apply for a new 0% card but many these days have 2% handling charges which would be higher than the 0.9% over 6 months I'll be paying. Anyway its all easily offset by the new Cahoot 5.5% savings account. ;D

System

Lloyds TSB are still offering 0% for 6 months on balance transfers or 1.9% for a year. I phoned up saying I wanted to cancel my card and they offered me it on the spot!

System

Already have a 0% balance tranfer deal with Barclaycard from their make one purchase a month offer. When I spoke to them at the weekend about making another balance transfer I was offered 6.9% for lifwe of balance or 2% for life of balance which incurred a one off handling fee.

faddy

I rang Beneficial (HFC) today to ask about BT's., and was offered 9.9% for 6 months (Standard APR on my account is 24.9%). I casually commented "That's still rather high for a balance transfer rate." Put on hold then offered "Manager's Special Rate" of 4.9%. Shades of Dixon's!

I also got them to transfer some credit limit from my GM (HFC) card, which they've cocked up, increasing my Beneficial limit by £1000 less than they've reduced my GM limit. Interestingly though, CS woman thought at first I was asking to do a balance transfer between my 2 HFC cards and was apparently abuut to happily do so.

Incidentally CS for both these HFC cards can be phoned free via their respective card activation numbers: GM- 0800 252 251, Beneficial 0800 328 0331. If your card's already activated these numbers put you through automatically to CS

;D

faddy

Intrigued to find my last post bowdlerised. I suppose with my chicken farmer's hat on I can't talk about my !!!!!! and hens?

faddy

Apparently not. ???

clarkey100

I applied for a Citicard last year as they had a 0% offer. Unfortunately when I got the card although I was given a whopping £4000 limit they didn't give me 0% (circumstances etc).

Last week I rang them up to find out what their rate was on balance transfers as it had to be better than the massive rate I was about to be charged by Natwest (and I couldn't get any new cards from anyone) and the bloke said that they could offer me 0% for 6 months!! Could they not had told me this before I applied for every 0% credit card in existance!

Anyway, it's a lifesaver for me and I thought I'd mention it just incase anyone else out there has a citicard that they haven't used for a bit as they may be able to get 0% too.

Jo