Bank of Scotland and Halifax

Brydson86

Stupid face here decided to transfer my balance from my bank of Scotland. Stupid face here got accepted for Halifax then raises he couldn't transfer his balance. Stupid face then googled and found out Halifax and bank of Scotland are the same group hence why I couldn't transfer. Stupid face then got rejected from another three companies after trying after realising his mistake. Stupid face here is wondering if anything can be done.

[Deleted User]

Does stupid face have a money transfer option on the Halifax card?

Or any other cards at all to do a two step BT?

Candyapple

Enter details below, what are the results?
https://creditcards.moneysavingexpert.com/?balance-transfer&_ga=2.60473071.331961448.1501146324-657411045.1501146324

Do you have any other credit cards apart from Halifax/BOS?

Brydson86

zx81 I didn't go through with the application. I'd need to really and hope my failed attempts dont reject me.

Candyapple no just the bank of Scotland one. Edited to say the eligibility calculator never seems to work for me. Never returns any results. Oblivious as to why.

Candyapple

Have you tried directly with the company's own eligibility checker?

MBNA are known for giving high limits, try them.
https://www.mbna.co.uk/credit-card-eligibility-checker/

If you are having problems with MSE's checker then I would advise you to check your credit files to see if there is anything amiss on your files.

The free versions to check your credit files are below:
Experian: https://www.moneysavingexpert.com/creditclub
Equifax: https://www.clearscore.com
Call Credit: https://www.noddle.co.uk

System

If you have a trusted family member or friend with a credit card with a high enough limit and isn't issued by BOS/Halifax.

You could transfer to and from theirs...

Brydson86

Candyapple wrote: »

Have you tried directly with the company's own eligibility checker?

MBNA are known for giving high limits, try them.
https://www.mbna.co.uk/credit-card-eligibility-checker/

If you are having problems with MSE's checker then I would advise you to check your credit files to see if there is anything amiss on your files.

The free versions to check your credit files are below:
Experian: https://www.moneysavingexpert.com/creditclub
Equifax: https://www.clearscore.com
Call Credit: https://www.noddle.co.uk

I recently got a mortgage so don't believe anything is wrong on my files. Doesn't seem to work on here at all.

Confirmation today that I've been rejected from everyone except Halifax. I am a stupid face.

Brydson86

I've tried MBNA who are going to get back to me in 7 to 10 days. It will be a poorer offer but if it's a year or so interest free id rather do that.

Does anyone have any past knowledge of Halifax and bank of Scotland honouring offers?

Bank of Scotland when I asked about offering me interest free or I would leave were terrible. They just told me to balance transfer so no interest in keeping me as a customer.

Not sure if Halifax/bank of Scotland would consider my initial application.

Brydson86

Heng_Leng wrote: »

If you have a trusted family member or friend with a credit card with a high enough limit and isn't issued by BOS/Halifax.

You could transfer to and from theirs...

Would that not be fraud?

[Deleted User]

No. .