No Balance Transfer Fee with MBNA & Virgin

Milarky

What period(s) at 0% are people being offered on this deal?

empfun

Would've been nice if it didn't expire so soon. My new card doesn't arrive until Thursday. Thanks anyway. Please post more codes as they become available.

MABLE

Milarky wrote: »

What period(s) at 0% are people being offered on this deal?

I understand you get what offer is shown on your statement. So if the rate was say 10% thats the rate you would pay. With me I had 0% shown on my statement until Novembe 2008 and thats the rate it went through on. The only challenge I have is there is a balance already on the card of £256.00. I paid this off a.m yesterday via debit card on their web site and as the bt has not shown up yet I am hoping the payment I made will show before then. The worst scenario is I end paying interest of the £256.00 but perhaps a small price to pay.

Hope this is of some help.

Craig_THW

MABLE wrote: »

I understand you get what offer is shown on your statement. So if the rate was say 10% thats the rate you would pay. With me I had 0% shown on my statement until Novembe 2008 and thats the rate it went through on. The only challenge I have is there is a balance already on the card of £256.00. I paid this off a.m yesterday via debit card on their web site and as the bt has not shown up yet I am hoping the payment I made will show before then. The worst scenario is I end paying interest of the £256.00 but perhaps a small price to pay.

Hope this is of some help.

I had the same problem, However when i called to make the BT yest i explained this to them and they said they'd hold off puttin the BT through until my payment cleared.. They said i would have been ok as it takes a 5 days for the BT to go through so you'll most likley be ok.

izoomzoom

Argh, I didn't see this yesterday, but fat lot of good. I applied for my card on 24 November, and although I have had my pin come through, I still don't know my account number (but it may be that long number at the top of my pin notification letter) nor my credit limit :mad:

MABLE

izoomzoom wrote: »

Argh, I didn't see this yesterday, but fat lot of good. I applied for my card on 24 November, and although I have had my pin come through, I still don't know my account number (but it may be that long number at the top of my pin notification letter) nor my credit limit :mad:

My advice is to be a bit patient. They have done a fee free offer 3 times in the last few months. I would not be surprised it appears again just after Christmas. I usually find out about it by monitoring this site.

izoomzoom

MABLE wrote: »

My advice is to be a bit patient. They have done a fee free offer 3 times in the last few months. I would not be surprised it appears again just after Christmas. I usually find out about it by monitoring this site.

Thanks, but I think I will need to do my BT sooner rather than later. I have never done one before, so am worried about it all going through smoothly. I am also not 100% sure exactly when my M&S deal runs out -will it be the statement date, or the anniversary of opening my account or any other date ???? I know it is January but that is all.

Richie23_2

Quick question, is it worth applying for a card and transferring the amount into my normal account and puttin it in a savings account?? i take it virgin will transfer into a normal account that is?? the charge is 2.98% i think for this.

what do you think?

Reducemydebt

Richie23 wrote: »

Quick question, is it worth applying for a card and transferring the amount into my normal account and puttin it in a savings account?? i take it virgin will transfer into a normal account that is?? the charge is 2.98% i think for this.

what do you think?

I would suggest you read the article on Stoozing.

empfun

izoomzoom wrote: »

Argh, I didn't see this yesterday, but fat lot of good. I applied for my card on 24 November, and although I have had my pin come through, I still don't know my account number (but it may be that long number at the top of my pin notification letter) nor my credit limit :mad:

I'll get my card tomorrow. Yes, it takes quite a bit of time.

I got my letter to contact the secure courier to deliver the card 14 days after I got the PIN letter. In between I got a letter to tell me that the card is coming along with promotional cheques (The account number is on this letter).

Anyway, it's the longest wait for a card I've ever experienced.