What are your personalised credit card offers?

Alex9384

Seems like Barclaycard are reducing their BT offer from 24 months to 21 months.

The offer on top is older, the bottom offer appeared today and it's shorter than the one that started previous month.

Alex9384

Also, my Nationwide balance transfer offer is back.  0% for 18 months for a 2.40% fee.

jimroy

I have two recurrent offers from
Sainsbury’s Bank on my credit card with them for two months again. 

18 months BT and MT interest free with a fee of 2.9%. 

I also had an offer from them a few months back for 9 months interest free on holiday purchases. I think it may have been through the Nectar Holidays site only, I can’t remember. I’d have to check. 

I also have an 18 month interest free BT offer with a 2.9% fee on my FD Gold Card.

I used to get regular monthly 18 month BT, MT with a 2.9% fee and payment plan offers on my Barclaycard Platinum Plus (now Rewards) card but since I switched to the Avios card six months ago, nothing. Not that I’d use them anyway.

Ive also had a PayPal credit offer for 12 months interest free instead of the usual 4 for select purchases through EBay recently.

And I currently have a double points offer from Weds to this Sat on my NewDay Partnership card. I’ve had that before for a limited period. Last time at Christmas.

 I’ve had subsequent BT offers from them too in the last 6 months with a 1.9% fee. I can’t remember for what period of time. It was for between 9 and 18 months. Again, I’d have to check back through my e/mails.

Nebulous2

I've a Nationwide credit card that I only ever use for some CPAs. There is about £30 a month going through it. 

They have just offered me an 18 month 0% BT at 2.4%. It came up on their app. 

I've never been aware of an offer from them before, but I've never gone looking for one either. 

Alex9384

Any long term customer of Santander CC?

I'd like to know what do they typically offer to existing customers.

Do they ever offer zero fee balance transfer again? I've just done one, but it's a new card.

Gandalf644

Similarly, to the above, but different, do any credit cards (other than Amex)  offer anything to customers who always pay off their cards every month (other than Balance Transfer offers of which a BT is of no use whatsoever)?

I know there are rewards cards etc and I use them all the time, but does any provider offer anything else offered to existing customers (apart from BT offers) to incentivise people to use their cards?

Nebulous2

Gandalf644 said:

Similarly, to the above, but different, do any credit cards (other than Amex)  offer anything to customers who always pay off their cards every month (other than Balance Transfer offers of which a BT is of no use whatsoever)?

I know there are rewards cards etc and I use them all the time, but does any provider offer anything else offered to existing customers (apart from BT offers) to incentivise people to use their cards?

What kind of offer do you think they could make? 

There are regular arguments on here about how much credit providers make / whether they make anything from people who pay in full. As a result they probably don't have any margin to offer anything to people who pay in full. 

You are familiar with reward cards, I get 0.5% on all my spend with Barclaycard and that may be hard for them to justify. 

What about Money Transfers, if you have a need for cash? 

In the past there was a huge effort from people to get cash from 0% credit card offers, that they could put in savings accounts to get interest. 

Several things conspired to bring that down. Increased Money transfer fees, reduced savings rates and a tightening by some of the providers in loopholes that helped to facilitate fee-free 0% cash.  

Gandalf644

Nebulous2 said:

Gandalf644 said:

Similarly, to the above, but different, do any credit cards (other than Amex)  offer anything to customers who always pay off their cards every month (other than Balance Transfer offers of which a BT is of no use whatsoever)?

I know there are rewards cards etc and I use them all the time, but does any provider offer anything else offered to existing customers (apart from BT offers) to incentivise people to use their cards?

What kind of offer do you think they could make? 

There are regular arguments on here about how much credit providers make / whether they make anything from people who pay in full. As a result they probably don't have any margin to offer anything to people who pay in full. 

You are familiar with reward cards, I get 0.5% on all my spend with Barclaycard and that may be hard for them to justify. 

What about Money Transfers, if you have a need for cash? 

In the past there was a huge effort from people to get cash from 0% credit card offers, that they could put in savings accounts to get interest. 

Several things conspired to bring that down. Increased Money transfer fees, reduced savings rates and a tightening by some of the providers in loopholes that helped to facilitate fee-free 0% cash.  

I am talking about offers similar to what my daughter (who lives in France and has a French bank's credit card) gets. Such as a 'increase your credit card spend next month by 20% and receive a 20 euro statement credit'.

Or 'spend over £2k next month and receive a £x statement credit'.

Those sorts of thing.

I don't have need of money transfers etc.

Nebulous2

Gandalf644 said:

Nebulous2 said:

Gandalf644 said:

Similarly, to the above, but different, do any credit cards (other than Amex)  offer anything to customers who always pay off their cards every month (other than Balance Transfer offers of which a BT is of no use whatsoever)?

I know there are rewards cards etc and I use them all the time, but does any provider offer anything else offered to existing customers (apart from BT offers) to incentivise people to use their cards?

What kind of offer do you think they could make? 

There are regular arguments on here about how much credit providers make / whether they make anything from people who pay in full. As a result they probably don't have any margin to offer anything to people who pay in full. 

You are familiar with reward cards, I get 0.5% on all my spend with Barclaycard and that may be hard for them to justify. 

What about Money Transfers, if you have a need for cash? 

In the past there was a huge effort from people to get cash from 0% credit card offers, that they could put in savings accounts to get interest. 

Several things conspired to bring that down. Increased Money transfer fees, reduced savings rates and a tightening by some of the providers in loopholes that helped to facilitate fee-free 0% cash.  

I am talking about offers similar to what my daughter (who lives in France and has a French bank's credit card) gets. Such as a 'increase your credit card spend next month by 20% and receive a 20 euro statement credit'.

Or 'spend over £2k next month and receive a £x statement credit'.

Those sorts of thing.

I don't have need of money transfers etc.

That's interesting - I've never heard of offers like that. Having some steep expenditure due soon for house renovations that would certainly be a useful perk.

I don't know about France, but apart from the USA, most countries are behind the UK in penetration and use of credit cards. As an effort to get people to move to credit cards that might have its place.   

I can't see it happening. There would be a backlash about encouraging people to get into debt if incentives to spend more were to happen here. 

Alex9384

Is Zopa a subprime lender?

I have their app on my phone, just for checking what they think of my "borrowing power" every month.
I think I've done their eligibility check once but wasn't eligible because I'm not their target customer.
However, I just checked today and there is an offer for Select credit card with a 5000 credit limit and 14.9% APR.

That's definitely not subprime.

.