Halifax offer me 0% balance transfer, but other card is Vanquis!

Bosie

I have a Halifax Clarity card and got a letter to say they are offering me a 0% balance transfer for 12 months:j I still owe Vanquis and this would be brilliant to close down the Vanquis account. But, do Vanquis let you do an automatic balance transfer?

ihateyes

Bosie wrote: »

I have a Halifax Clarity card and got a letter to say they are offering me a 0% balance transfer for 12 months:j I still owe Vanquis and this would be brilliant to close down the Vanquis account. But, do Vanquis let you do an automatic balance transfer?

get Vanquis shut... call the halifax, they will take the 16digit Vanquis card number, and the balance owed. Within 5days, the vanquis balance will be cleared!!! woo hoo!:beer:

DarnIt_3

The company who you are transferring from doesn't need to give permission, otherwise we would all be stuck with high APR CC when we have 0% in our wallets (although I don't have one of those card...yet )

Bosie

Thanks for replies, some time ago a few holders of the Vanquis card on here said they had problems doing an automatic transfer if it involved Vanquis? I will give Halifax a ring though as the offer ends on the 14th August.

chanz4

halifax do seem to been nice, I have a defualt falling off in sept and they gave me 13 mont 0% on spending and bts

xxkim1981xx

A it late in responding, but no you can't transfer Vanquis balances to other cards. I tried and the card said they couldn't trasfer that particular card. I have since read somewhere that Vanquis said they do not have the facilities to sweep balances to other cards which really annoyed me.

Really wanted to get a 0% transfer cos I owe £1500 to Vanquis.

Percy1983

Do any of the cards let you do a transfer to your current account in the 0% period still?

In which case you could work it out.

With that if halifax let you do it but not in the 0% deal I am sure it would still save you money.

anchorless33333

you CAN do BT to vanquis, I did it 2 weeks ago with my new santander card. No queries, questions, or problems at all, was done within a week.

Bosie

initially Halifax tried twice to do the balance transfer but wouldn't go through:( Good news, Halifax offered me a ''super balance transfer'' they send money directly to my bank account. Plus a lovely rate under 8% apr:T So they paid it off for me, from about 59% interest right down to under 8%. My limit with Vanquis was £3000, never ever got to that amount though, quite scary stuff with Vanquis! I got offered a 0% normal balance transfer, but with Vanquis being not the norm had to get the less than 8% deal, oh well still not bad.

Percy1983

Good stuff, will save you a small fortune there, maybe not 0% but still great news.

Bosie

Percy1983 wrote: »

Good stuff, will save you a small fortune there, maybe not 0% but still great news.

Thanks Percy, big difference isn't it! But I think having Vanquis for over 2 years plus other credit lines got me a decent card with Halifax and also a Fly Be, they Fly Be later offfered me a 0% balance transfer, bit like buses with me, nothing then a couple come along:T