Credit Cards The Full Monty - Rate Changes

MSE_Martin

There's a full list of updated new cardholder offers in the Credit Card the Full Monty Guide.

http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1059874057,91671,

If any of these range change - that you spot please post a note here.

Martin

System

Hi Martin,

Noticed a 9 month 0% deal from Halifax that's not on your list.  You need to take the following link :-

https://www.halifaxcards.co.uk/NASApp/halifaxcards/index.jsp?card=9_mth_intro_pl&special=

::)

Martinslovechild

Make sure you copy the entire text from the above email into your browser (ie. the end bit should read <b>card=9_mth_intro_pl&special=</b> ) otherwise the application will FAIL !!!

Martin Note I have amended your link above so it now works.

chrisrw78

Hi

I got a letter in the post today from Ryan Air/MBNA.
The offer is 0% on balance transfers until 1st May 2004 but it is 15.9% APR.
Apply before 26th August and use card before 14 October and get a guranteed free return flight.
Purchase 10 Ryan Air return flights with card and get a free return flight.
Free Travel Accident Insurance £250,000 when buying flight tickets with card.

The telephone number with this offer is 0800 776 262

I have checked the website but it does not appear to have this offer. Info on credit card states 1.9% balance transfer for 6 months only.

The letter says FOR EVERY NEW CUSTOMER so I dont see why it cant be available to all. If not keep an eye out in the post

MSE_Martin

Hiya. The above is a good offer. However remember 'being open to all new customers' isn't the same as open to all.

There are often direct mail offers, which are targetted. You need to get the invite to count in the 'new customers' it is open to. However this does not mean they are generally available. The full Monty list is 'open to all' cards. It's always worth checking your direct mail offers + often very good offers are available as direct sign ups in shopping centres.

Martin

Galstonian

And free flight doesn't mean £0. Free (apart from fees, charges and taxes) or some such phrase.

Andrea

The flight also wouldn't be free because the card is 0% on balance transfers only. Where it says "use" the card before 14 October I assume this means spend on it rather than doing a bt, so you would be charged interest on this spending.

Galstonian

1. Spend to qualify for flight
2. Pay off entire balance
3. Balance transfer at 0%

Ta da!

Andrea

... and as if by magic the great Galstonian did appear.

Well done. I should have thought of that ::). I think this heat has permanently frazzled my brain.

dguppy

Motley Fool have an exclusive deal on the Halifax card of 9 months at 0%, could be the same as the link potsed by Paul Lockett above.

http://www.fool.co.uk/cards/cards.htm

danselby

Hi Martin and all,

I looked at the link for the Amex Blue card with the free digital camera (http://home3.americanexpress.com/uk/deals/public/default.asp?PID=826&BUID=CCG&CRTV=evinvemail&AFFID=cpevinv) - as on the site and in the email - and it appears that they have changed the terms on this card... it is no longer 4.9% for life on balance transfers, but rather a 6 month introductory rate of 2.9% and then it goes up to 9.9%

... unless I'm missing something?

All the best