No fee 0% BT offers for existing customers

blitzboy

Has anyone had one recently? Perhaps when you've gone to close an account? If so, who with?

I have several cards that I've just paid off at the end of 0% deals so have a few I could close if they're no longer any use, but just wondered if some might be more beneficial to call to 'close' to get the offers?

I've checked the online offers but all have a fee.

[Deleted User]

Which provider?

It's rare for a provider to offer these - they'll usually carry a fee.

blitzboy

!!! wrote: »

Which provider?

That's what I'm asking...

[Deleted User]

They are all different and it's entirely circumstantial per customer.

By that, I mean if Joe Bloggs gets an offer with Barclaycard as an existing customer, that doesn't mean that Jane Bloggs, who is also with Barclaycard, will get an offer as well.

Thrugelmir

o% interest and no fee. Where does the lender make their margin?

Ben8282

0% interest and no fee would be very rare as an existing customer offer. I get 0% with fee or low interest usually 4.9% no fee. Never had 0% interest no fee offer.

blitzboy

Thrugelmir wrote: »

o% interest and no fee. Where does the lender make their margin?

Lots of lenders offer it for new customers.
I assumed there wouldn't be any for existing ones, but worth asking just in case someone had found one.

[Deleted User]

blitzboy wrote: »

Lots of lenders offer it for new customers.
I assumed there wouldn't be any for existing ones, but worth asking just in case someone had found one.

Some do offer them.
But again it depends on the lender and the customers circumstances

blitzboy

!!! wrote: »

Some do offer them.
But again it depends on the lender

Hence me asking if anyone has experienced an offer like it with any particular lender and, if so, who that lender was... :think:

If they had, that would be a good place for me to start, providing I had a card with them.

[Deleted User]

Most lenders do.

Barclaycard, Santander, MBNA, Halifax, Tesco... I could go on.

There's no pin-pointing it down to a specific lender, and even if we could, it doesn't mean you'd be offered it.

blitzboy

!!! wrote: »

Most lenders do.

Barclaycard, Santander, MBNA, Halifax, Tesco... I could go on.

There's no pin-pointing it down to a specific lender, and even if we could, it doesn't mean you'd be offered it.

For NEW customers yes, but that's not what I was asking!

:wall: