Vanquis....balance transfer in

[Deleted User]

Phoned them last month as my card wasn't working and ask while I was there but they said computer says no, but I could have a money transfer no fee but 24.7% from Day1 (not awful, but not great).

1st Feb - an offer finally pops up, first time in months. 9.9% for 6 months, must be taken by 28th Feb.

Gary I'm assuming your offer last month expired end of Jan? Did you then get another offer this month?

My 0% expires late March - I'm tempted to transfer on 27th Feb to ensure I grab 9.9% rather than potentially stuck with nothing.... but then I'm paying £20 extra interest I don't need to pay if I take it on 27th Feb rather than 25th ish of March. Waiting to see what happens on 1st March may be a bit too much like roulette though... £144 a month vs. £20 a month!

CakeCrusader

Somerset_La_La_La wrote: »

Phoned them last month as my card wasn't working and ask while I was there but they said computer says no, but I could have a money transfer no fee but 24.7% from Day1 (not awful, but not great).

1st Feb - an offer finally pops up, first time in months. 9.9% for 6 months, must be taken by 28th Feb.

Gary I'm assuming your offer last month expired end of Jan? Did you then get another offer this month?

My 0% expires late March - I'm tempted to transfer on 27th Feb to ensure I grab 9.9% rather than potentially stuck with nothing.... but then I'm paying £20 extra interest I don't need to pay if I take it on 27th Feb rather than 25th ish of March. Waiting to see what happens on 1st March may be a bit too much like roulette though... £144 a month vs. £20 a month!

Check with the credit club to see if you can't get anything better first.