Different/same card question

bertiewhite

I have 3 cards - Barclaycard, Virgin & Tesco which I have been successfully been using to pay each other off using 0%. I have just transferred some of the BC over to Virgin for 0% and have just cleared my Tesco card so effectively now owe around £9500 on the Virgin & £7000 on the BC (0% comes to an end in July).

What I want to know is would I be better closing the Tesco card and applying for another 0% or applying for another card anyway, keeping the Tesco to see if they offer a 0% deal (as Virgin seem to keep doing)

With that in mind I'm sure I've read that some people have 2 cards of the same type (eg. Barlaycard). Is this true and can you shift balances between the 2?

[Deleted User]

You can't move balances between cards of the same stable.

Whether you should close one card before applying for another depending on your income, limits and circumstances.

bertiewhite

Deleted_User wrote: »

You can't move balances between cards of the same stable.

Whether you should close one card before applying for another depending on your income, limits and circumstances.

Income is £37,800. Barclaycard has £3000 left and Virgin is at the limit (after transferring part of the Barclaycard). As mentioned, I have just cleared the Tesco and now have £5000 available but no offer.

The reason I am asking is to investigate another card to transfer the Barclaycard to. Both BC and Virgin are periodically offering me 0% transfers for a year at a time and I can usually flip between the 2 but unfortunately the BC runs out in July hence the idea of another (4th) card. Looking on this site the Barclaycard looked good for a long term 0% deal but as you've pointed out I couldn't transfer from my existing BC so Nationwide looks like the next best.

bertiewhite

Well, I applied for the Halifax BT card last night (30 months, 0%) and got accepted but with only a £1800 estimated limit. I assume this is because of the limits/balances on the other cards? Because of this I'll use the Halifax card to transfer some of my Barclaycard for now and then wait for a couple of months to see if my zero balance on the Tesco card prompts another offer - if not I'll cancel the Tesco card and try a limit increase request on the Halifax.

Does anybody know if Tesco offer subsequent 0% offers like Barclaycard & MBDA do?