No fee 0% BT offers for existing customers

[Deleted User]

blitzboy wrote: »

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

:wall:

They do for existing customers as well, which is what you were asking, which is what I was responding to...

blitzboy

!!! wrote: »

They do for existing customers as well, which is what you were asking, which is what I was responding to...

Ok thanks. I assumed you were talking about new customers as you quoted my post about new customers.

So I think the conclusion is there's no way of telling and I should just pick some randomly to 'close'.

[Deleted User]

They won't give you a 0% offer on the threat of an account closure.

It doesn't work the same way as cancelling your mobile phone or cable TV provider.

bairn7

Are you referring to 0% balance transfers with no fee? Many lenders will offer 0% on spending but, as far as I can see, there will always be a % fee for transferring a balance to a 0% rate. Usually between 1% and 4%.

bairn7

I have credit cards with Nationwide, MBNA and Barclaycard. Barclaycard consistently have the best offers. Usually balance transfers to 0% rate for less than 2% fee or transfer to a low rate of interest (c4%) for the life of the balance for no fee.

foxy-stoat

I havent see a zero fee zero % interest BT offer for over 10 years.

Lowest fee I have seen with 0% interest is 1.5% so for a £9,000 balance its only £135.

If you look on the credit card section at the top of the page it lists the 2 providers that offer 0 & 0 - one is for existing only and the other is only if you get accepted....wonder if many do?

chattychappy

foxy-stoat wrote: »

I havent see a zero fee zero % interest BT offer for over 10 years.

That's my experience. I have around 10 cards, 999 on Experian (for those that care about such things).

Getting lots of BT offers - typically 0% for a couple of years. ALWAYS a fee, usually 3%. Sometimes a bit less, 2.5% or even 1.5% in the case of a shorter deal. Never NO fee.

MallyGirl

The last no fee 0% BT was Santander for 27 months. The other 2 I have active are 0% for 32 months with 1.4% fee (HSBC) and 0% for 27 months with 0.9% fee (first direct). I may not bother again when these finish.