What are your personalised credit card offers?

Alex9384

Since some banks decided to not advertise their best offers anymore,

we are required to run their eligibility check every single time we want to know what are they offering us.

They obviously don't want us to know what they are offering to other customers, but they can't stop us from sharing it with each other on this forum.

So, those of you who don't mind disclosing it, what are your current offers for balance transfers and money transfers?

This time I'm curious about Halifax/Lloyds card holders.

They keep offering me 0% BT for 12 months with 3.5% fee, as well as 0% Money Transfer for 12 months with 4% fee. Anyone has a better offer than this?

There was also a 36 months offer at 5.9% which has decreased to just 24 months at the same APR.
On December 2021 they were offering me 0% money transfer for 24 months and I'm regretting I didn't take it.

Every month I check if something better came up, but it's still the same offer, especially the BT is absolutely not competitive. Yet they send me an email a couple times per month reminding me I have these offers available.

CliveOfIndia

Alex9384 said:

They obviously don't want us to know what they are offering to other customers

It's not so much that they don't want you to know what other customers are offered, more the case that each customer will be offered different products depending on a number of factors - including, but not limited to, their credit file and previous relationship with the lender.

Added to which, what products a lender decides to offer in a broader sense will change depending on their risk appetite, their financial situation, and the financial marketplace globally.

Martico

Sainsburys 12 month BT 2.9%
Barclaycard 21 month BT 2.9% / 12 month MT 3.9%
Virgin 12 month BT 2.5%
MBNA 12 month BT 3.5%

grumbler

HX Clarity - a worse offer here - 5.9% p.a., 24 months, 0% fee -  for both BTs and MTs.

HillStreetBlues

grumbler said:

HX Clarity - a worse offer here - 5.9% p.a., 24 months, 0% fee -  for both BTs and MTs.

  Snap!!!!!

Nebulous2

HillStreetBlues said:

grumbler said:

HX Clarity - a worse offer here - 5.9% p.a., 24 months, 0% fee -  for both BTs and MTs.

  Snap!!!!!

Same for me. I rarely use my Clarity Card, generally just abroad, and it has my lowest limit. 

They never actively promote offers to me, but I looked it up on the app. 

Alex9384

Nebulous2 said:

They never actively promote offers to me, but I looked it up on the app. 

Never? Maybe some setting about communications in your online banking? They keep sending me emails and sometimes offers pop up when I log in to my online banking too.

Alex9384

CliveOfIndia said:

It's not so much that they don't want you to know what other customers are offered, more the case that each customer will be offered different products depending on a number of factors - including, but not limited to, their credit file and previous relationship with the lender.

Added to which, what products a lender decides to offer in a broader sense will change depending on their risk appetite, their financial situation, and the financial marketplace globally.

I mean.. most banks still advertise what are their best offers. Thanks to that we can compare cards side by side and see what's available on the market.

I said "they don't want us to know" because some time ago people on this forum were saying exactly that. Allegedly, some banks don't want customers to know what other customers get because some then complain about getting worse offers than someone else? Not sure if that's true though.

iishappy

MBNA 2.5% fee 12 month 0% on balance and bank xfer / 5.9% on 24 month BT

Looking for a cheaper option on the BT so thinking of using the MBNA 5.9% BT and then moving it straight to a 0% 24 month balance xfer card with 2.5% fee to save a few hundred in interest over the MBNA 5.9% 

Nebulous2

Alex9384 said:

Nebulous2 said:

They never actively promote offers to me, but I looked it up on the app. 

Never? Maybe some setting about communications in your online banking? They keep sending me emails and sometimes offers pop up when I log in to my online banking too.

I don't use Halifax for banking, I only have the credit card. I've just checked and they only send me emails when I have a new statement, or there is something important, like a change to the terms and conditions. 5 emails in the last year. 

lisastevo

MBNA 0% 15 months 4.5% fee or 5.9% p.a over 24 months 0% fee Both offers are for balance & money transfers

Virgin 0% 12 months 4% fee Both offers are for balance & money transfers

Tesco 12 months 3.99% fee Both offers are for balance & money transfers

Barclaycard No Offers