Smart Card charging a BT Fee!!!

yus786

Got my agreement today but a little bit confused.

On page 7 of 8 under "Charges" - it says BT Fees - 3% (minimum £3)

I thought BT was free!!!

Anyone confirm this

humfer

yus786 wrote:

Got my agreement today but a little bit confused.

On page 7 of 8 under "Charges" - it says BT Fees - 3% (minimum £3)

I thought BT was free!!!

Anyone confirm this

Well the website clearly states no fee, and when I applied for one on sunday the operator stated no fee as well. I'm going to save a copy of their current web page just incase. Have you called Halifax (who run the Smart card) to clarify?

yus786

humfer wrote:

Well the website clearly states no fee, and when I applied for one on sunday the operator stated no fee as well. I'm going to save a copy of their current web page just incase. Have you called Halifax (who run the Smart card) to clarify?

No not yet - but i too have saved the webpage

humfer

Been looking at some other sites and the only mention of 3% I can see if to do with the minimum monthly payments. I have printed a copy of the website, done a screengrab and also saved the webpage, so let them try and get out of it.
Are you going to call them in the morning to clear it all up?
As an aside from your phone application how long did it take for the paperwork to turn up?

yus786

humfer wrote:

Been looking at some other sites and the only mention of 3% I can see if to do with the minimum monthly payments. I have printed a copy of the website, done a screengrab and also saved the webpage, so let them try and get out of it.
Are you going to call them in the morning to clear it all up?
As an aside from your phone application how long did it take for the paperwork to turn up?

I applied on Sat @ 19.30 and got the application today.

I'll send it off tomorrow but the free post they have provided is 2nd class.

Oh and yes i'll try to ring tomorrow as i have a fair bit on (work wise)

Cheers

Happy_frank

Transfered a couple of weeks ago with no fee.

YorkshireBoy

If it's anything like the N&P card (also run by Halifax), the key conditions are 4.2 & section 5 (specifically 5.1 to 5.4).

If you can't see the phrase "other than a special promotional rate when you opened your account" (or words to that effect), then you may have agreed to the fee when you signed the credit agreement.

yus786

humfer wrote:

Are you going to call them in the morning to clear it all up?
?

Spoke to a CSA this morning and there's no fee whilst under promotional period - so shew !!!

Former_MSE_Dan

The original transfer period is fee free, while any transfers after that will attract the 3% fee.

Dan

humfer

MSE_Dan wrote:

The original transfer period is fee free, while any transfers after that will attract the 3% fee.

Dan

Can I just confirm by 'original transfer period' we are referring to the first 6 months? Have my agreement now, but was going to wait a week before sending it back as my current card has until the end of Mar07 at 0% so want to try and maximise the benefit of the new (Smart) card. The 6 month transfer period is from account opening which as I understand it will normally only happen a couple of days after I send the agreement back

ajs1544

Can someone just tell what is the Smart card exactly and who runs it ...web page etc ..thank you