How do you BT out of ICICI Credit Card?

YorkshireBoy

Sexy_Sarah wrote: »

I can't find that thread now, but I remember there was a reason. If you can find the thread, perhaps you can remind me of the Super Balance Transfer? I'm sure it was something to do with my situation that I couldn't do it. You've got me thinking now. Please can you aid my frustrated brain??

Sunil (that's the guy you've lambasted throughout) kindly provided a link to your other thread in post #4 above.

IamNotOneOfTHEM

Sexy_Sarah wrote: »

Oh and Sunil - you still haven't made any helpful suggestions to my specific question and I don't think you understand the problem.

Looking at this from outside, to be fair, i think you got some vendetta against the indians. When no one else has tried to even reply, this guy has atleast responded with what he knows (and i have see quite of his posts elsewhere and he seems to be quite knowledgable) and your response to him shows it all.

Probably things are not always what they seem to be and i dont think you are a sexy person as well.

gt94sss2

Sexy_Sarah wrote: »

This is what I meant: I have applied for 3 other credit cards with 0% balance transfer. They have all said they can't do it.

Actually, you haven't applied to 3 other credit card companies, though you may not realise this.

From your other post/thread, which YorkshireBoy kindly pointed out that I had linked to above, it says you tried with Morgan Stanley/Goldfish/Buy&Fly.

These 3 credit card 'brands' are actually all run by Goldfish - see the small print on their websites - and thus I expect would share the same IT systems - hence all having the same problem..

Oh and Sunil - you still haven't made any helpful suggestions to my specific question and I don't think you understand the problem.

Apart from repeating:

1) The Bank of England has nothing to do with balance transfers - they don't even regulate individual banks these days..

2) Your problem is likely to be with the fact that the ICICI card is not recognised by the Goldfish and RBS systems as valid - even if ICICI have been issuing it for a while, I doubt its very popular so they may not have come across it before or bothered updating their systems if they did.

3) Capital One recently launched a new type/brand of Mastercard called 'World Mastercard' - if you have a look at the credit card forum, you will see people there having problems using it sometimes for the same reasons - as it was a 'new' number range. - so it would work in some shops/websites but not others.

4) I can't really see the point of me contributing to this thread any more - you don't appear willing to respect other peoples views or opinions and seem to think you know it all anyway..

Regards
Sunil

Sexy_Sarah

Thanks for that nice positive feedback.

And thanks for suggesting I'm racist. Nice. Thanks for suggesting I'm not sexy. Nice. How old are you??? How relevant is this to my problem? My frustration is that no one has an answer because if they had, they'd have posted it. Hence the post from Guiguita also asking for help with transferring a balance out of ICICI.

I'm not racist, but then I think any sane person can distinguish the difference between frustration and racism. I have been a victim of racism and its not nice...

I am totally frustrated with a credit card, issued by a bank which happens to be Indian, and who, in my sorry experience with the company, employ Indian staff, and with whom I cannot get any money balance transferred out of and with whom its very difficult to communicate with. (Thats after it took 5 months to get the money balance transferred in.)

I have never taken the card to a shop, which Sunil refers to, which doesn't apply to my situation. He admits he has no experience of dealing with ICICI. Lets hope that none of you who are implying that I am at fault, never have to deal with them yourselves and eat your words. Because I would not wish the frustration I am experiencing on anyone. Not even my worst enemy. Sunil implies that its really easy to explain to a credit card company that they simply have to add the number to their system and then it'll all go through. If only it was that easy...

In fact, far from being racist, one of my best friends is Indian, and, in the intervening period since my first posts and now, has spoken to ICICI Bank call centre in their own language on my behalf in the hope that she could ease my frustration and she came off the phone laughing at how useless they are and in disbelief that you can't balance transfer from them and they don't think its a problem and they think its perfectly ok.

I am sure Sunil has removed one of his posts... surely the act of a coward?

Yorkshire Boy - I've never seen that link before. Where that link is now, there was a different post with him telling me how useless I am and how easy it is to get companies to accept "new" credit cards. I think he didn't want to appear on the wrong, and edited his post. Bless.

Anyway, why I'm justifying myself to you lot when I've done nothing wrong, except followed Martins advice, which was the wrong thing to do, I have no idea.

I will check out the link.

I've given up all hope of ever getting the money out of them and had forgotten all about this thread until I received an email notification that Guiguita had posted and I read she's having the same problem. Nice to know I'm not the only one. And nice to have a post that was actually about the subject by someone who understands what I'm going through.

Shame all the people who've posted today other than myself and Guiguita haven't been able to give us the name of a company who will do it. As far as I know its only the Bank of Ireland, and I've already used them. So any further suggestions on how to get my money balance transferred out of ICICI Bank and into a normal 0% credit card, please do post.

Sexy_Sarah

gt94sss2 wrote: »

Actually, you haven't applied to 3 other credit card companies, though you may not realise this.

From your other post/thread, which YorkshireBoy kindly pointed out that I had linked to above, it says you tried with Morgan Stanley/Goldfish/Buy&Fly.

These 3 credit card 'brands' are actually all run by Goldfish - see the small print on their websites - and thus I expect would share the same IT systems - hence all having the same problem..

Apart from repeating:

1) The Bank of England has nothing to do with balance transfers - they don't even regulate individual banks these days..

2) Your problem is likely to be with the fact that the ICICI card is not recognised by the Goldfish and RBS systems as valid - even if ICICI have been issuing it for a while, I doubt its very popular so they may not have come across it before or bothered updating their systems if they did.

3) Capital One recently launched a new type/brand of Mastercard called 'World Mastercard' - if you have a look at the credit card forum, you will see people there having problems using it sometimes for the same reasons - as it was a 'new' number range. - so it would work in some shops/websites but not others.

4) I can't really see the point of me contributing to this thread any more - you don't appear willing to respect other peoples views or opinions and seem to think you know it all anyway..

Regards
Sunil

This is now getting really boring having to justify myself... Here we go again:

!) I have been balance transferring since 2003 when I was conned out of nearly £7,000 by a professional con person. The police wanted to issue a warrant for this person's arrest and put them on Crime Watch but the CPS say there's not enough evidence to stand up in court. This person has continued to con both men and women put of several thousands of ££'s and continues to do so, and there is nothing anyone can do. I am contacted constantly by new victims of this person. I've had plenty of stress in my life, not to mention the last 4 years, and this is all contributing to it, when all I asked for was help.

2) Yes I know that Goldfish, Morgan Stanley and Buy and Fly are the same company. That is 1 card that I applied to. Another of the 3 is Tesco/RBS. Another of the 3 is Capital One. So as you see, I have applied and been given 3 credit cards that will not BT from ICICI Bank.

3) I went up the ladder in RBS/Tesco, who insisted, right up to the Call Centre Manager of the entire Credit Card Teams, who insists that a manual Balance Transfer done by RBS will have to go through the Bank of England. I quoted you to her, Sunil, and she didn't think you knew what you were talking about, and insisted she and her colleagues/employees know their job.

4) I understand totally that the ICICI Bank credit cards are not recognised by the RBS/Morgan Stanley/Capital One systems.

I would be more than happy for you to contribute to the thread if you were to tell me something I didn't already know. As it is, you are not telling me anything I do not know already. And you are not answering the question.

I'm sure you are extemely knowledgeable and helpful to people who have little financial knowledge, but you haven't helped me to solve my problem and all you have done is told me things I already know and frustrated me more.

I named the thread "How do you BT out of ICICI Credit Card", and as yet, no one has managed to answer that question... Not even you Sunil.

So I repeat. PLEASE, if anyone knows any card issuer, other than Bank of Ireland, who will BT from ICICI Bank, PLEASE PLEASE post it on here so I can contact them, set up a card and do the transfer.

Thank you.

gt94sss2

ok - I said I wouldn't be replying to this thread but as you have called me a coward..

Sexy_Sarah wrote: »

I have never taken the card to a shop, which Sunil refers to, which doesn't apply to my situation. He admits he has no experience of dealing with ICICI. Lets hope that none of you who are implying that I am at fault, never have to deal with them yourselves and eat your words. Because I would not wish the frustration I am experiencing on anyone. Not even my worst enemy. Sunil implies that its really easy to explain to a credit card company that they simply have to add the number to their system and then it'll all go through. If only it was that easy...

Its the same principle - it doesn't matter if its a shops own payment IT system or a banks - even Capital One were telling their customers the same thing when they introduced a new card to the UK

I am sure Sunil has removed one of his posts... surely the act of a coward?

No, I have not deleted one of my posts.. and after complaining that you think others might have been suggesting you are racist or 'not sexy' you then go and call someone a coward..?!

I've never seen that link before. Where that link is now, there was a different post with him telling me how useless I am and how easy it is to get companies to accept "new" credit cards. I think he didn't want to appear on the wrong, and edited his post. Bless.

I have not edited post no 4 either - its been the same since August.

You might note that when you edit a post, it actually says ' Last edited by xxxxx' with the time and date of the change - and that doesn't appear next to my post..

Anyway, why I'm justifying myself to you lot when I've done nothing wrong, except followed Martins advice, which was the wrong thing to do, I have no idea.

What you have done wrong, is been very rude to anyone who has tried to help you and broken forum etiquette which says Pls be nice to all MoneySavers on every single page of this forum - making wild accusations of cowardice, of posts being edited when they haven't, suggesting that someone accused you of being racist and making posts which could be considered as 'personal attacks'/offensive which you then start accusing others of doing.

I will give you a hint - if you want people to help you, its best not to treat them like that.. - it just makes you come across as someone unpleasant - whether that is the case in real life or not..

Hopefully, this will be my last contribution to this thread!

Regards
Sunil

Sexy_Sarah

YorkshireBoy wrote: »

I'm puzzled.

Back on 11th August, some 11 weeks ago, you said "I have had to transfer this balance to 3 other card issurers, none of whom have been able to do it under the normal channels."...the inference being they did it some other way.

Anyway, assuming the above was a typo (in your obvious anger), is there any reason why you simply haven't given up on it and taken the 'super balance transfer' option suggested in the reply to your first post on your other thread back in August?

[Anyway, assuming the above was a typo (in your obvious anger), is there any reason why you simply haven't given up on it and taken the 'super balance transfer' option suggested in the reply to your first post on your other thread back in August?]

[I can't find that thread now, but I remember there was a reason. If you can find the thread, perhaps you can remind me of the Super Balance Transfer? I'm sure it was something to do with my situation that I couldn't do it. You've got me thinking now. Please can you aid my frustrated brain??]


Dear Yorkshire Boy.

The link doesn't take me to a thread. It takes me to a post that I wrote when I thought Tesco/RBS were going to do the BT. Which of course we now know they're not and they've paid me compensation for misleading me.

I ask again. Please can you aid my frustrated brain with the Superbalancetranser information?

Thanks.

YorkshireBoy

Sexy_Sarah wrote: »

The link doesn't take me to a thread. It takes me to a post that I wrote when I thought Tesco/RBS were going to do the BT.

Click the link, and then when the page opens look for the clickable link at the top right - which opens the entire thread.

Are you going to calm down now and let people try to help you?

Anyway, I'll have a go at answering your direct question...

I suspect that you will be really lucky to find anyone on here who has availed of a 3 month BT offer with ICICI, let alone BT'd away from it. After all, it's hardly worth it once you factor in the 2 or 3 weeks required to get most cards up and running is it?

Regarding the original theory of the BIN's (which I actually believe will turn out to be the correct reason)...Halifax can't BT from the Egg Money card online, yet can do so by telephone. It's the same with MBNA to HFX transfers.

Sexy_Sarah

gt94sss2 wrote: »

ok - I said I wouldn't be replying to this thread but as you have called me a coward..



Its the same principle - it doesn't matter if its a shops own payment IT system or a banks - even Capital One were telling their customers the same thing when they introduced a new card to the UK

No, I have not deleted one of my posts.. and after complaining that you think others might have been suggesting you are racist or 'not sexy' you then go and call someone a coward..?!

I have not edited post no 4 either - its been the same since August.

You might note that when you edit a post, it actually says ' Last edited by xxxxx' with the time and date of the change - and that doesn't appear next to my post..

What you have done wrong, is been very rude to anyone who has tried to help you and broken forum etiquette which says Pls be nice to all MoneySavers on every single page of this forum - making wild accusations of cowardice, of posts being edited when they haven't, suggesting that someone accused you of being racist and making posts which could be considered as 'personal attacks'/offensive which you then start accusing others of doing.

I will give you a hint - if you want people to help you, its best not to treat them like that.. - it just makes you come across as someone unpleasant - whether that is the case in real life or not..

Hopefully, this will be my last contribution to this thread!

Regards
Sunil

Once again I have to defend myself. What a bore. I was one of the founders of this site, like you, and I stopped posting once it started growing and people got arrogant in their posts. If I really didn't want this resolved I wouldn't bother. In fact, I hadn't bothered, because no one can help. You may remember you still haven't given me a solution...

"I am not one of them" says "i think you got some vendetta against the indians"... If that's not calling me racist using different words, I don't know what is?

"I am not one of them" also says "i dont think you are a sexy person". What a ridiculous statement to type on a Financial messageboard!

"Its the same principle - it doesn't matter if its a shops own payment IT system or a banks - even Capital One were telling their customers the same thing when they introduced a new card to the UK"... This statement is not relevant as to how I BT out of ICICI Bank Credit Card. You keep repeating it, in different words, but its irrelevant to the situation. I understand, without the same example explained several times in different ways, that the credit card number isn't on the English Credit Card companies computer system thats why the BT can't take place.

I stand corrected if you haven't removed your posts - I'm sure you did because I certainly haven't given you enough thought to imagine conversations with you, so we'll have to agree to disagree on that. The editing and deleting statement was in reference to the same post. Not two different ones.

As I rarely post any more because it seems to me that people are often more concerned with having their say, than answering the actual query with facts that help, I don't really understand all the editing and quoting thing, and to be honest didn't even realise that when its in red is a hyperlink, until Yorkshire Boy pointed it out.

I haven't done anything wrong, as you haven't answered the question that I posted. I am extremely frustrated with the fact that I have to keep typing replies to you, telling you you are not helping me, yet you insist upon typing a reply to me that doesn't help me again and so the cycle continues. All I want is an answer as to how to BT out of ICICI Bank Credit Card, that clearly no one has. There are only 4 people who have contributed to this post, so where you get "all" from, I'm not sure. One of them only posted to insult me, one of them posted with the same question/problem as I have, one of them has posted to help me and I have not been rude to him at all, infact I've asked him for more help... which only leaves you... maybe you should ask yourself why you have made me so frustrated that I have had to repeatedly tell you that your posts aren't helping me at all and you aren't telling me anything I don't already know, that you are repeating yourself and ask you not to post as you're not helping.

Let me give you a hint. When you reply to a post, read it first, then, if you know the answer, post the answer, don't post things that the person asking the question already knows, and when they tell you they already know it, don't post it again. I find your posts extremely condescending, so maybe you should also bear that in mind when you are posting, as when you are condescending and repeat yourself continually, you come across as someone unpleasant - whether that is the case in real life or not... BTW I thought this was real life - me trying to BT money away from ICICI Bank, I mean the statements all look real and are delivered by the postman, so seem real, but maybe its all a fantasy to you?

Who knows?

Sexy_Sarah

Ahh thanks Yorkshire Boy. That's all I wanted to make me happy. Someone who actually wants to answer the question.

I've looked into SBT and as far as I could ascertain you can't have a Virgin Credit Card without opening some kind of account with them to do with mortgages, which is why I discounted that. I have no mortgage as my house is owned and no money to open a new bank account with. I'm sure they wanted you to have your salary paid in or something. I'm freelance and freelancers don't get regular salaries. We're lucky if we get the odd cheque nown and again.

If I've misunderstood that, or there's some other way of doing it, please let me know.

I think there's more people with an ICICI Bank credit card than are letting on, as Martin used to push it big time. Maybe I'm wrong.

Please can you explain the term BIN? Is that the number that isn't on the system?

Thanks