What are your personalised credit card offers?

jimroy

I’ve currently got a recurring 20 month 0% BT offer on my Barclaycard Avios card with a 4% fee and a 19 month MT offer with a 4.5% fee.

And in their recent email reminder, they advised me that I’d also be earning 1 Avios point per £1 transferred also this month. 

I’ve also got 9 month 0% BT and MT offers with a 2.9% fee on my Sainsbury’s Dual Offer card.

And I’ve got a 12 month 0% BT offer with a 2.9% fee on my FD Gold card.

Dandytf

Interesting post from op.

Whilst I have been more Interested in Home Improvements and Energy boards in recent months, CC's are off the Radar for Immediate years in Terms of Applications....

Though have to Note the following Rates are Guranteed which is re-assuring.

P.O.

0% Trans/Purch

29.9

Cap 1

0% Bal Trans 6 maths

34.9%

Cap 1

0% 

Bal Trans/Purch

34.9%

Cap 1

27.9%

Cap 1

28.9%

Ocean

0% Trans/Purch 3 myths

29.9%

Cap 1

29.8%

Ocean

34.9`%

p.o.

34.9%

Cap 1

34.9%

Think M

39.9%

Ocean

39.9%

thanks

Nebulous2

Alex9384 said:

Nebulous2 said:

I've just had my new offers in from Barclaycard, and they have reduced timescales. 

BT 0% until 1/7/24 with a 3.7% fee and MT 0% until 1/4/24 with a 2.6% fee. 

Still reasonably keen, given what is on offer for instant access accounts. 

Wait, only 9 months for MT? Mine on Barclaycard is 15 months, but 3.8% fee (equals to 3.04% per year). Still worth it.

Yes - it seemed strange and was well short of what I generally get. 

My new offers are in and I'm getting better offers this month. 21 months BT for 3.3% and 20 months MT for 3%. Matches what someone else reported for last month. 

Martico

Nebulous2 said:

Alex9384 said:

Nebulous2 said:

I've just had my new offers in from Barclaycard, and they have reduced timescales. 

BT 0% until 1/7/24 with a 3.7% fee and MT 0% until 1/4/24 with a 2.6% fee. 

Still reasonably keen, given what is on offer for instant access accounts. 

Wait, only 9 months for MT? Mine on Barclaycard is 15 months, but 3.8% fee (equals to 3.04% per year). Still worth it.

Yes - it seemed strange and was well short of what I generally get. 

My new offers are in and I'm getting better offers this month. 21 months BT for 3.3% and 20 months MT for 3%. Matches what someone else reported for last month. 

Might have been me. My new Barclaycard offers are April 2025 (BT) and Feb 2025 (MT), each now at 3.5%

th081

I have at 1% cashback if I spend more than £150 !

No zero deals for a while. I have cleared my 2 Barclaycards and hopefully the zero deals will come back for Nov 24 when I need them by

Compo23

Has anyone ever had a personalised offer from RBS? I've got a balance coming to an end in a few months - could just pay it off and close the card, but would rather keep it open if they'll ever give me a existing customer/retention type offer.
Limit is £8k so if nobody has any positive experiences then I'll probably close it so I can start to get credit elsewhere (or be a 'new' customer in a few months) - as all my limits are about £90k so understandably nobody is giving me offers any more!

RBS keep phoning and emailing me about loans because it says I'm 70% likely to be approved, not that I want one at their crazy rates.

Jami74

Compo23 said:

Has anyone ever had a personalised offer from RBS? 

Not necessarily personalised offers for RBS but if I click on apply and then credit cards in the app it shows me the 0% balance transfer credit cards that I can apply for. You can have up to 3 across the RBS/Natwest group. I always close my balance transfer cards once the promotion ends.

th081

Compo23 said:

Has anyone ever had a personalised offer from RBS? I've got a balance coming to an end in a few months - could just pay it off and close the card, but would rather keep it open if they'll ever give me a existing customer/retention type offer.
Limit is £8k so if nobody has any positive experiences then I'll probably close it so I can start to get credit elsewhere (or be a 'new' customer in a few months) - as all my limits are about £90k so understandably nobody is giving me offers any more!

RBS keep phoning and emailing me about loans because it says I'm 70% likely to be approved, not that I want one at their crazy rates.

I tend to find once you clear the balance outstanding they send you zero deals. A couple of post up I posted that in August I had no offers from Barclays, once I cleared they offered me a zero deal. Which I don't need for another year. 

WYSPECIAL

Compo23 said:

Has anyone ever had a personalised offer from RBS?

All I’ve had from RBS in recently years is reminders that I haven’t used my card for a year and they will close it if I don’t use it by a certain date. I use it for a purchase and pay it off on the statement to keep the account open in the hope I will get an offer.

Not had anything from Barclaycard for a while now either. They always seem to be pushing Purchase Plans whenever I log in to check.

Compo23

Thanks all, looks like I'll axe RBS as soon as it's repaid then - I only get the generic page Jami mentions.

Probably get rid of Santander too, then my limits will be down to about 2x salary, so I might finally get some good existing customer offers from Barclays, Lloyds & co! (I don't even get purchase plans with Barclays, or an Overdraft - despite having a 'premier' current account!).

For Stoozing - anyone that can get their hands on Barclays Premier, I got an email a few days ago - you don't need to be in Blue Rewards to get the 5.12% saver any more if you're premier - that overrides the eligibility. So it saves some of the DD faff if it's not your main current account (You still have to loop £45k a year through it though to keep it AFAIK)