balance transfer offer disappeard 27 February at 11:00PM in Credit Cards 9 replies 441 views

hilla_2

I've recently applied for a MBNA card which gives 25months interest  free 0% balance transfer card  with a 1% fee. The card arrived and it stated you will get 25 months 0% interest with a 1% balance transfer fee- all good so far!  I went on line to transfer a balance from another card but it wouldn't let me, it said there are no offers on this card. So I rang them to ask them to balance transfer from another card and they said there are no offers on this card. Has anybody experienced this before or can explain why? I have £7000 available but cant balance transfer anything onto it. Its basically useless to me.

adamp87

hilla_2 said:

I've recently applied for a MBNA card which gives 25months interest  free 0% balance transfer card  with a 1% fee. The card arrived and it stated you will get 25 months 0% interest with a 1% balance transfer fee- all good so far!  I went on line to transfer a balance from another card but it wouldn't let me, it said there are no offers on this card. So I rang them to ask them to balance transfer from another card and they said there are no offers on this card. Has anybody experienced this before or can explain why? I have £7000 available but cant balance transfer anything onto it. Its basically useless to me.

Did you mention you have the offer in writing? If you get nowhere I can only suggest a email/written complaint copying the text in the letter you received I suppose.

MattMattMattUK

How long after being accepted for the card did you wait to try and attempt the transfer, some only have a very specific period when they allow the transfers, usually within X days of acceptance.

chistery

How long had the card been open? The offers are usually only available for a short time at the start.

hilla_2

it was a brand new card. Just sent to me yesterday! it says i have 60 days to transfer a balance. Opened it about a week ago and as soon as it arrived I tried to do the balance transfer and it said 'no offers on this card despite the blurb on the piece of paper attached to the card saying you have 0% interest free on balance transferes for 25 months and a 1% transfer fee. Never known anything like this and I've been playing this game for many years now.

hilla_2

adamp87 said:

hilla_2 said:

I've recently applied for a MBNA card which gives 25months interest  free 0% balance transfer card  with a 1% fee. The card arrived and it stated you will get 25 months 0% interest with a 1% balance transfer fee- all good so far!  I went on line to transfer a balance from another card but it wouldn't let me, it said there are no offers on this card. So I rang them to ask them to balance transfer from another card and they said there are no offers on this card. Has anybody experienced this before or can explain why? I have £7000 available but cant balance transfer anything onto it. Its basically useless to me.

Did you mention you have the offer in writing? If you get nowhere I can only suggest a email/written complaint copying the text in the letter you received I suppose.

adamp87 said:

hilla_2 said:

I've recently applied for a MBNA card which gives 25months interest  free 0% balance transfer card  with a 1% fee. The card arrived and it stated you will get 25 months 0% interest with a 1% balance transfer fee- all good so far!  I went on line to transfer a balance from another card but it wouldn't let me, it said there are no offers on this card. So I rang them to ask them to balance transfer from another card and they said there are no offers on this card. Has anybody experienced this before or can explain why? I have £7000 available but cant balance transfer anything onto it. Its basically useless to me.

Did you mention you have the offer in writing? If you get nowhere I can only suggest a email/written complaint copying the text in the letter you received I suppose.

yes I said I have the paper in front of me and I read it to the  person over the phone. I asked to speak to a manager too but she said if theres no offers showing there's nothing anybody can do- they cant override the system.

maxximus75

Make a written complaint and enclose a copy of the offer - that should do the trick?

Thrugelmir

hilla_2 said:

it was a brand new card. Just sent to me yesterday! it says i have 60 days to transfer a balance. Opened it about a week ago and as soon as it arrived I tried to do the balance transfer and it said 'no offers on this card despite the blurb on the piece of paper attached to the card saying you have 0% interest free on balance transferes for 25 months and a 1% transfer fee. Never known anything like this and I've been playing this game for many years now.

What's the rush if the card only arrived yesterday. Presumably it has to be activated first. 

Bcchops1

hilla_2 said:

I've recently applied for a MBNA card which gives 25months interest  free 0% balance transfer card  with a 1% fee. The card arrived and it stated you will get 25 months 0% interest with a 1% balance transfer fee- all good so far!  I went on line to transfer a balance from another card but it wouldn't let me, it said there are no offers on this card. So I rang them to ask them to balance transfer from another card and they said there are no offers on this card. Has anybody experienced this before or can explain why? I have £7000 available but cant balance transfer anything onto it. Its basically useless to me.

I have had the same happen to me yesterday. I have logged a complaint as this is the reason I applied for the card. I would lodge a complaint with them. Surely they have to honour it? 

zx81

Bcchops1 said:

hilla_2 said:

I've recently applied for a MBNA card which gives 25months interest  free 0% balance transfer card  with a 1% fee. The card arrived and it stated you will get 25 months 0% interest with a 1% balance transfer fee- all good so far!  I went on line to transfer a balance from another card but it wouldn't let me, it said there are no offers on this card. So I rang them to ask them to balance transfer from another card and they said there are no offers on this card. Has anybody experienced this before or can explain why? I have £7000 available but cant balance transfer anything onto it. Its basically useless to me.

Surely they have to honour it? 

They surely don't, but hopefully they will.