Success with renegotiating terms of credit card?

Astraeus

Evening all. I am just after some anecdotes about anyone who has tried, succesfully, to renegotiate offers on their credit cards. I keep getting notifications on my Halifax credit card that the balance is being upped which is actually quite useful, because it isn't particularly utilised. I do have a balance on a different credit card which I would like to transfer to a 0% (of which Halifax offer some of the best deals).

I won't be accepted for a new credit card with them (but can probably go elsewhere for good 0% deals) but just wanted to check whether anyone has had success asking a provider to attach a balance transfer term to an existing card? I know it can't hurt to ask the question but just wanted some experiences. Also, would they make a hard credit search if I asked the question (which they don't when the voluntarily increase the credit limit)?

Thanks in advance.

KJSmith

Halifax do give balance transfer offers on existing credit cards. It's quite likely that you'll have one.

Enquiring about a potential BT offer (or even carrying out an actual balance transfer) wouldn't incur a credit search.