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Best Balance Transfers Discussion Area

edited 10 June 2010 at 12:31PM in Credit Cards
5K replies 833.6K views
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  • JJay20JJay20 Forumite
    1 posts
    First Post
    MoneySaving Newbie
    Hi,
    I applied and was approved for a BT 0% card with Fluid for 9 month. I tried several time. to transfer my existing balance with Virgin Money but was told by Fluid that they could find no details of my credit account with Virgin. I contacted Virgin who said there was no issue the account was active. I pay them every month! I was told to contact TransUnion to check my credit file. I was informed by TransUnion that they do not work with Virgin Money. However Experian do have all the relevant up to date information on my credit file. I tried several more time and still had not success. Fluid said there was nothing they could do. Is this common and how can I resolve this?
    Thanks
    J
  • flyingfleaflyingflea Forumite
    183 posts
    Part of the Furniture 100 Posts Newshound!
    Why isn't 118118 Money mentioned in the Best Buy list? I see it was updated today so should have included it. It has no balance transfer fees and foreign transaction fees with interest-free period on cash and purchases.
  • D3xt3r5L4bD3xt3r5L4b Forumite
    953 posts
    500 Posts Second Anniversary Name Dropper
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    Why isn't 118118 Money mentioned in the Best Buy list? I see it was updated today so should have included it. It has no balance transfer fees and foreign transaction fees with interest-free period on cash and purchases.
    It’s a sub-par credit card.

    And probably doesn’t fit with MSE’s affiliate program
  • mcpitmanmcpitman Forumite
    891 posts
    Eighth Anniversary 500 Posts Name Dropper
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    Why isn't 118118 Money mentioned in the Best Buy list? I see it was updated today so should have included it. It has no balance transfer fees and foreign transaction fees with interest-free period on cash and purchases.
    Pretty poor offering, no monthly fee now, is that the business name or the APR?
    Life isn't about the number of breaths we take, but the moments that take our breath away. Like choking....
  • D3xt3r5L4bD3xt3r5L4b Forumite
    953 posts
    500 Posts Second Anniversary Name Dropper
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    If the provider allows you to have more than one card with them then yes. 
  • lhseconslhsecons Forumite
    88 posts
    10 Posts
    kebl2825 said:
    If the provider allows you to have more than one card with them then yes. 
    Obviously, that's what I have asked. Do you have an answer?
    I tried to do this with Sainsbury’s when I bought a car, having previously used up my 0% on my existing card with them. They won’t let you have a 2nd card. I don’t know about the other 2.
  • edited 9 August at 4:26PM
    DandytfDandytf Forumite
    2.9K posts
    Seventh Anniversary 1,000 Posts Name Dropper
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    edited 9 August at 4:26PM
    Is it unsensile if I were to transfer 250 pouds from Tesco (27.5%) to existing Chrome (26%) 
    Chrome has current 1600 Balance, have an offer of 0% 6 months balance transfer.
    I wouldn't be able to pay  combined balance in 5 or 6 months.
    Though can make attempt at 250.
    Is this going to be more expensive after 6 months when my past purchases of 1600 will be repayable 1st.
    Though Tesco would be 150 rather than 400 and could be cleared mid 2021.

    sc dmp 2012 13k Dec 2019 11140 paid 80% approx.-Next Update Early Jan 2021
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  • D3xt3r5L4bD3xt3r5L4b Forumite
    953 posts
    500 Posts Second Anniversary Name Dropper
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    kebl2825 said:
    If the provider allows you to have more than one card with them then yes. 
    Obviously, that's what I have asked. Do you have an answer?
    Have you checked with/asked your existing lenders?

    No one else can answer that but them. 
  • D3xt3r5L4bD3xt3r5L4b Forumite
    953 posts
    500 Posts Second Anniversary Name Dropper
    ✭✭✭
    Dandytf said:
    Is it unsensile if I were to transfer 250 pouds from Tesco (27.5%) to existing Chrome (26%) 
    Chrome has current 1600 Balance, have an offer of 0% 6 months balance transfer.
    I wouldn't be able to pay  combined balance in 5 or 6 months.
    Though can make attempt at 250.
    Is this going to be more expensive after 6 months when my past purchases of 1600 will be repayable 1st.
    Though Tesco would be 150 rather than 400 and could be cleared mid 2021.

    I think you need to asses your financial situation as a whole?

    Aren't you on a DMP?

    Have you spoken to your DMP manager about all of this?
  • GonzoidGonzoid Forumite
    4 posts
    Fifth Anniversary First Post Combo Breaker
    Sorry in advance for leaving the subject
    But how do I stop receiving updates to this thread?
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