which cards will actually BT to a bank account?

^opm^

i have recently got 2 credit cards-virgin and egg card and have balance transfered the max credit limit( 95% on virgin card) to my building society account-i know other cards will do balance transfers from another credit cards but i just need ones that will BT to bank/building society accounts-so which ones will do this and preferably for free?
thank you in advance

Mark

smartsaver

I think you have the only two that will do this for free. MINT also allow this but charge. The MBNA group - Abbey, A&L and MBNA charge unless you requesty a SBT when you return the T&C's. As you have a Virgin card that belong to MBNA you may be refused another card with this group.

You can of course always use EGG card as your MULE. BT onto your EGG card then SBT into the bank

^opm^

how do u do that if like me u have only just got card and i have max'd out my credit limit on there card?

smartsaver wrote:

I think you have the only two that will do this for free. MINT also allow this but charge. The MBNA group - Abbey, A&L and MBNA charge unless you requesty a SBT when you return the T&C's. As you have a Virgin card that belong to MBNA you may be refused another card with this group.

You can of course always use EGG card as your MULE. BT onto your EGG card then SBT into the bank

smartsaver

Technically you pay your EGG debt off by BT to AN OTHER card. This will leave a surplus amount of credit on your EGG card that you can SBT straight into ur current account

^opm^

think i get u-what i do is apply for another card that allows free BT's then say to them will u BT my credit limit(which im now in debt to) my from egg card to ur card-therefore then i pay them once a month the minimum balance(say £5 a month) this is on a.n. other card-correct am i so far? then i have this egg card that has a full credit limit on it again-which i then BT to my building society account-therefore increasing my credit limit technically speaking an damount i can make free on interest of them-if this is all as i think it is-what happens tho when my free interest period on my egg card runs out-i cant then use them to BT can i then to an account for free? or can i?

smartsaver wrote:

Technically you pay your EGG debt off by BT to AN OTHER card. This will leave a surplus amount of credit on your EGG card that you can SBT straight into ur current account

smartsaver

Yes - you can BT to an EGG card that has been paid off and put it into a credit. Then put the credit into the bank and leave the EGG card at zero.

koru

It looks like the M&S card applies 0% offer to cheques, so you could write one and pay into your current account. But they do seem to charge a fee.