Card offers from credit reference agencies

ladyV

Over the past 18 months I've been working hard to improve my credit worthiness. I would like to shift some CC debt to 0% interest.

 A few days ago and offer for a pre-approved Fluid £2000 9 month balance transfer appeared in my Credit Karma. It's now disappeared, and a 5 month Marbles balance transfer card (max £1200 limit) keeps appearing and reappearing on ClearScore. 

Can anyone please advise me on this dilemma.
Shall I wait for the Fluid one to come back? If I go for the Marbles one does it make it less likely I'll be offered the Fluid one again? 

cymruchris

ladyV said:

Over the past 18 months I've been working hard to improve my credit worthiness. I would like to shift some CC debt to 0% interest.

 A few days ago and offer for a pre-approved Fluid £2000 9 month balance transfer appeared in my Credit Karma. It's now disappeared, and a 5 month Marbles balance transfer card (max £1200 limit) keeps appearing and reappearing on ClearScore. 

Can anyone please advise me on this dilemma.
Shall I wait for the Fluid one to come back? If I go for the Marbles one does it make it less likely I'll be offered the Fluid one again? 

Have you tried using eligibility checkers directly on card providers websites to see what other options might be open?

The 'offers' you see in the credit reference apps - are they adverts? Or when you search for eligible cards?

ladyV

Hi thanks for your answer.
I'm not eligible for any balance transfer cards via eligibility checkers unfortunately.
The offers are bespoke to me, not adverts. I'm pre approved, so will qualify. But no idea of the credit limit on the marbles one. 

I want to apply for the marbles one, but don't want to scupper my chances of the fluid one reappearing. 

candiii

ladyV said:

Over the past 18 months I've been working hard to improve my credit worthiness. I would like to shift some CC debt to 0% interest.

 A few days ago and offer for a pre-approved Fluid £2000 9 month balance transfer appeared in my Credit Karma. It's now disappeared, and a 5 month Marbles balance transfer card (max £1200 limit) keeps appearing and reappearing on ClearScore. 

Can anyone please advise me on this dilemma.
Shall I wait for the Fluid one to come back? If I go for the Marbles one does it make it less likely I'll be offered the Fluid one again? 

Marbles and Fluid are both cards by New Day; if you're accepted for whichever card you apply for, you normally have to wait 12 months before applying for one of their other cards. Fluid offer up to £4000 starting credit limit where as Marbles offer up to £1500 but that doesn't confirm what amount you'll be offered. I'm sure Fluid cards come with 9 months 0% on balance transfers too. Might be worth doing an eligibility check on their website 

cymruchris

ladyV said:

Hi thanks for your answer.
I'm not eligible for any balance transfer cards via eligibility checkers unfortunately.
The offers are bespoke to me, not adverts. I'm pre approved, so will qualify. But no idea of the credit limit on the marbles one. 

I want to apply for the marbles one, but don't want to scupper my chances of the fluid one reappearing. 

Ok - keep in mind that 'pre-approved' doesn't mean 'guaranteed' - it's always subject to final checks. Have you completed the eligibility checker direct on the fluid website?

ladyV

I wasn't eligible on the fluid website, only via 'my offers' affiliate link on my credit karma dashboard. 
As I was worried the marbles offer may disappear, I've just applied successfully and got £1200 limit. But no mention of the balance transfer, which was my sole reason for applying. 

cymruchris

ladyV said:

I wasn't eligible on the fluid website, only via 'my offers' affiliate link on my credit karma dashboard. 
As I was worried the marbles offer may disappear, I've just applied successfully and got £1200 limit. But no mention of the balance transfer, which was my sole reason for applying. 

I don't have experience of the Marbles card - but you might have to wait for it to be set up before you can take advantage of any transfer offers. Keep an eye on the APR you're given - and make sure that when your promotional period ends you can either pay as much of it off as you can, or move it to another card. I imagine the interest rate will be high.