Anyone 4 cards

mr._prude

The money landed yesterday,so transfered it today to the offset mortgage for maximum gain. Think it takes 5-7 days though.

I have a few quests for the experts.

Can I request a higher credit limit from capital one?
Is there a time limit when balance tranfers have to be made to qualify for the 0% BT fee and 0% to 1 Aug?

P:j

YorkshireBoy

mr._prude wrote: »

The money landed yesterday,so transfered it today to the offset mortgage for maximum gain.

Why have you initiated the transfer on a Saturday? Egg will remove the money from your account Saturday, but won't send it in to the BACS system until Monday. You've lost 2 days interest (at 4% AER) on your money here.

Think it takes 5-7 days though.

That's what the T&C's say. In practice, however, should take the standard 3 days.

Can I request a higher credit limit from capital one?

Yes, but you won't get one (in my experience)!

Is there a time limit when balance tranfers have to be made to qualify for the 0% BT fee and 0% to 1 Aug?

What do your T&C's say?

geet

Hi, posted elsewhere, but maybe you can help. Capital One offers no handling fee but only up to August. My question is if I should go for an abbey offer.

Story so far: After having gone thru this site for the first time, used egg as mule and took out a £6000 BT with 0% and £50 fee with M&S that will expire in March. I have been offered a credit card by Abbey (my mortgage lender) that says I can have a BT for 0% for 13 months at a 2.5% transfer fee. Should I seize this opportunity or look for NO transfer fee. I gather Capital One and Virgin are possibilities but only up to August, right? Grateful for any suggestion.

mr._prude

YB

Good point on the transfer, should have waited to Monday. Will check my T&Cs thanks for your help

P