Lloyds/MBNA

magpies79

So I’m getting close to when I’ll need to move a 0% balance that is ending it’s around 4-5k on there websites direct I'm pre approved £3,500 for both cards so I was hoping to only need one card.

We go away in 3 weeks for 4 weeks so realistically don’t think I can make up extra payments maybe when we got back to pay off extra to cover the short fall.

So my question is will taking up one of these cards remove the offer from the other card is that how it works? 

Both are 33 month 0% and same fees so ideally would prefer 1 card but 2 I could split it and maybe do £2,500 on each.

I do have a few cards that are currently on 0% and should be done in time was always going to have 1 card that wouldn’t be cleared some of these cards I do have current offers of 12 months 0% but I don’t want to use them and have 2 different 0% deals on same card with different expiry dates I’ll know I will mess it up lol.

retiredbanker1

It is hard to say.
MBNA uses Lloyds back office procedures to credit check and process applications.

Might depend on the overall state of your credit files.

If you bank with Lloyds then I would go for the MBNA card first?
If you bank with them they ''like'' to cross sell to their customers so you might find the Lloyds offer still  there but it might not be for 33 months.

magpies79

Ok I bank with Halifax which is part of Lloyds I believe the card I need to move is bank of Scotland so can’t use the Lloyds for that one so would have to be the MBNA one but thanks for helping me with that.

i have 2k left on my HSBC on 0% runs till July next year have £1,500 available to transfer at 0% for 12 months would it be sensible to maybe utilities that somehow