Best Balance Transfers Discussion Area

Moggles_2

techmax76 wrote: »

I have a debit card which is used for receiving salary. I calculate the total amount of bank service charge and it's really high, close to almost 12%. It's a bit painful on my budget. Is there any that offers lower than this?

This is not a best balance transfer question.

Please post again on the *Budgeting & Current Accounts* board. You'll get lots of replies there

http://forums.moneysavingexpert.com/forumdisplay.html?f=20

CannyJock

BecTaylor04 wrote: »

oh and I applied online with Abbey. Just read an article about only applying over the phone or in a branch.
Do I go back to them via telephone or accept they rejected me and move on?!

You can appeal against their decision if you're happy to provide them with all sorts of financial details. There's no guarantee they'd change their mind even if you do.

Moggles_2

BecTaylor04 wrote: »

I applied online with Abbey. Just read an article about only applying over the phone or in a branch. Do I go back to them via telephone or accept they rejected me and move on?!

I've no recent experience of Abbey but, from feedback here, it's best to apply in branch. Online applications are often subject to long delays, apparently :rolleyes:

That said, your chances of acceptance are the same, whichever route you take.

Precious_Thing

Hi,

Due to having some extra work, I will be able to pay off my Virgin card, which I used for BT only, sooner than the interest free period ends.

I don't know whether I should then get rid of the card or keep it?? I have a Nat West Master Card which I use when I need to, always paying the balance each month. I have no other credit cards or debts other than my mortgage.

Any thoughts greatly appreciated.

Thanks,

Precious Thing.

Moggles_2

Precious_Thing wrote: »

Due to having some extra work, I will be able to pay off my Virgin card, which I used for BTs only, sooner than the interest-free period ends. I don't know whether I should then get rid of the card or keep it?

It's worth remembering that Virgin has a reputation for regular, follow-on offers, once your balance is paid off in full. This provider will even waive BT fees sometimes, if you're prepared to negotiate over the phone. I've had offers as good or better than the introductory deals now and again.

I have a Nat West Master Card which I use when I need to, always paying the balance each month. I have no other credit cards or debts other than my mortgage.

It's always best to have a back-up card, IMO

scott_lithgows

Got 6.9% life of balance offer on a Virgin card in the post this morning 3% fee

sabretoothtigger

MBNA will offer that also, I think they are the backers. Its not the best

brianandles

Help! first time on here. Looking to do BT, and I remember seeing a grid on the site showing which banks are related to each other so that I can apply for a card which isn't associated whith cards I already have. Any idea where I can find this as I've not been able to find it again.

jos004

scott_lithgows wrote: »

Got 6.9% life of balance offer on a Virgin card in the post this morning 3% fee

I to had a mortgage with N&P until Abbey ( boo ) took over in 1995.

N&P were very decent.

Moggles_2

brianandles wrote: »

Looking to do BTand I remember seeing a grid on the site showing which banks are related to each other so that I can apply for a card which isn't associated with cards I already have. Any idea where I can find this, as I've not been able to find it again?

This table on the stoozing site (which is sponsored by Money Saving Expert)
should help:

http://www.stoozing.com/cards.htm