Best 0% balance transfer deal???

TheGaz1982

Hi, Me and my fiancee want to put our credit card debts onto one card, which will accept a transfer from bother of us, we only need to transfer about 4,000, and ideally would like to do it on-line if possible. We need all of the ammount transferred, and not part.Does anyone have any reccomendations?Thanks,Gareth.

Andybez38

Not being funny but what makes you think you will get a limit of £4k + enabling you to transfer your debt. Credit is not a right and certain criteria have to be met, thus depending on a credit limit set by lenders. Existing borrowing/available credit etc will all be taken into concideration. NOONE on this forum can recomend a lender that will be willing to transfer the whole £4000 you are looking for.

TheGaz1982

Hi,Well I know I have an excellent credit rating, but besides wanting the full lot transferred, who are a good company to use? Nat West, Capital 1?I just don't want to apply, and end up with a credit card that will only allow 50% of the transfer, thus not achieving the outcome I wanted.Anyone got any sensible advise?

jonesMUFCforever

To be brutally honest having £4000 debt and excellent credit rating do not always go together.
Do you actually have a plan to repay the debt other than to transfer it from one card to another?
If not that would be my priority.

Money_Man

Blimey give the guy a break someone, he just wants advice on a good deal to try and make a transfer and save some money, it sounds terrible patronising to say "a 4k credit card balance and a good credit rating do not necessarily go together". How can you possibly make this assumption without knowing more of his details? anyway rant over!

Try Virgin @ 0% for 15 months, you will pay a BT fee but can apply on-line

Good luck!

Nytehawk

Just got a CapitalOne o% Interest till May 08 + 0% on purchases till May 08. My credit limit is £4k. having been with Capital One before I could probably get a higher Credit lmit after 3 months.......... Just don't need any more HTH

ps BT fee 1.7%:beer:

x_Wilco_x

Recently got a Halifax One card, 0% for 12 months - they gave me £6600 limit. Also 0% for purchases and can apply on-line

jonesMUFCforever

Money_Man wrote: »

Blimey give the guy a break someone, he just wants advice on a good deal to try and make a transfer and save some money, it sounds terrible patronising to say "a 4k credit card balance and a good credit rating do not necessarily go together". How can you possibly make this assumption without knowing more of his details? anyway rant over!

Try Virgin @ 0% for 15 months, you will pay a BT fee but can apply on-line

Good luck!

He'll save a lot more in the long run if he has a plan to pay it off. That was all I said - this will save him money.
Transferring the balance probably will increase his debt by at least a £100 or so with BTF.