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BT Offers disappeared
uncreative
Posts: 384 Forumite
in Credit cards
I had around £38k of debt on 4 cards and before all 0% deals came to a crashing end, while the debt was there I was constantly getting BT offers.
I have very quickly been able to pay the debt off in its entirety and now have no debt at all, but a collective £55k limit plus access to a £2k overdraft that isnt used either.
All of a sudden I have no promotional deals. Not that I need or want them, but interested in why I am no longer a "target"
One of the cards is with Virgin Money and today they even pulled the Balance Transfers and Monet Transfers sections from the online banking website.
Am I heading for a drastic limit cut now that I dont seem to fit their profile?
Should I close the card first as does having a drop in credit limit look bad on a credit history?
thanks
I have very quickly been able to pay the debt off in its entirety and now have no debt at all, but a collective £55k limit plus access to a £2k overdraft that isnt used either.
All of a sudden I have no promotional deals. Not that I need or want them, but interested in why I am no longer a "target"
One of the cards is with Virgin Money and today they even pulled the Balance Transfers and Monet Transfers sections from the online banking website.
Am I heading for a drastic limit cut now that I dont seem to fit their profile?
Should I close the card first as does having a drop in credit limit look bad on a credit history?
thanks
Total Credit Used...=........£9,000 / £52,700
Mortgage..............=........£138,000 , 20 Years left.
:starmod:CC cashback for this year..=........£112.88 £205.81 banked in 2015
:starmod:YNAB User & Mortgage Free Wannabe
:starmod::A19/03/16
Mortgage..............=........£138,000 , 20 Years left.
:starmod:CC cashback for this year..=........£112.88 £205.81 banked in 2015
:starmod:YNAB User & Mortgage Free Wannabe
:starmod::A19/03/16
0
Comments
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uncreative wrote: »I had around £38k of debt on 4 cards and before all 0% deals came to a crashing end, while the debt was there I was constantly getting BT offers.
I have very quickly been able to pay the debt off in its entirety and now have no debt at all, but a collective £55k limit plus access to a £2k overdraft that isnt used either.
All of a sudden I have no promotional deals. Not that I need or want them, but interested in why I am no longer a "target"
One of the cards is with Virgin Money and today they even pulled the Balance Transfers and Monet Transfers sections from the online banking website.
Am I heading for a drastic limit cut now that I dont seem to fit their profile?
Should I close the card first as does having a drop in credit limit look bad on a credit history?
thanks
Virgin Money are making some changes to their Online Servicing this coming weekend which might explain why the Balance/Money Transfer section has disappeared.It's not your credit score that counts, it's your credit history. Any replies are my own personal opinion and not a representation of my employer.0 -
My BT/MT offers with Virgin have disappeared as well and I would agree with 20aday that it is probably related to their move away from MBNA rather than not liking us anymore
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thanks, hopefully just as you say. Not that i need the offers, i was more worried about them reducing the limts.Total Credit Used...=........£9,000 / £52,700
Mortgage..............=........£138,000 , 20 Years left.
:starmod:CC cashback for this year..=........£112.88 £205.81 banked in 2015
:starmod:YNAB User & Mortgage Free Wannabe
:starmod::A19/03/160
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