FYI on Halifax/Bank of Scotland CC Balance transfers.

Sharkotron

I have a Bank of Scotland Credit card and the 0% on purchases deal has expired. I applied for a Halifax Credit Card to transfer the balance over and after 5 weeks of waiting. It arrived.

But I have just been told I cannot transfer a balance because it is within the same banking group! This has cost me weeks of interest and now I have to apply for a card from a different company.

I said to the call centre that I'm just going to get a different card anyway, so why not just make money from me and give me the transfer. She just explained that it was all set out in the T&Cs.

Up yours Hailfax! (Lloyds)

Atom

FYI always read the T&C's man - not there fault

OllyM

It's not even hidden in the terms and conditions - it's made clear on their website! Perhaps try reading things properly in the future rather than blaming the bank?

http://www.halifax.co.uk/creditcards/balance-transfer-purchase/plus-card/

Balance transfers can be made from most credit and some store cards, excluding other Halifax or Bank of Scotland products.

SCO

Sharkotron wrote: »

I have a Bank of Scotland Credit card and the 0% on purchases deal has expired. I applied for a Halifax Credit Card to transfer the balance over and after 5 weeks of waiting. It arrived.

But I have just been told I cannot transfer a balance because it is within the same banking group! This has cost me weeks of interest and now I have to apply for a card from a different company.

I said to the call centre that I'm just going to get a different card anyway, so why not just make money from me and give me the transfer. She just explained that it was all set out in the T&Cs.

Up yours Hailfax! (Lloyds)

No credit card company allows transfers from within the same group.

chanz4

isnt it the other way around, as your the one still paying them intrest

HoneyAndLemon

Still amazes me when people complain about the big nasty banks screwing them over, when it's through their own stupidity for not reading everything first that they're in a pickle at all.