HSBC CC how long b4 considered new customer?

moneysavingwannabe

Hi,

I have had a HSBC cc for years I would quite like the 0% cc.

If I cancel my existing card which has a zero balance how long would it be before I am considered a new customer worthy of the o% for a year??:rolleyes:

Any advice appreciated!

Kavanne

For halifax they told me it was 30 days... not sure about HSBC

Astraeus

Kavanne wrote: »

For halifax they told me it was 30 days... not sure about HSBC

You left Halifax's card and then rejoined after 30 days and got the 0%? I was told on the phone the other day that I wouldn't be able to do that! I'll be on the phone to them again tomorrow if this is the case.

moneysavingwannabe

Hi,

Thanks for that!

My OH has 2 CC with Halifax he applied online and they gave him the 0% as well as his existing card. :j Might try and phone HSBC but only have an 0845 number...

Kavanne

Astraeus wrote: »

You left Halifax's card and then rejoined after 30 days and got the 0%? I was told on the phone the other day that I wouldn't be able to do that! I'll be on the phone to them again tomorrow if this is the case.

That's what they told me I could do when I phoned them and asked. I have not actually tried to carry it through.
However the guy also said I could just go and get a BoS card instead...

In my experience customer advisors tend to talk a load of crap so I didn't take the risk of canceling my card.

jimbo26

HSBC geographical No. 01226 261010

moneysavingwannabe

Thanks will try the phone number

Scousebird_2

As far as I was aware you can't.

moneysavingwannabe

Hmmm

Just phoned them and they said 6 months!! And offered me a BT for 6mths at 5.ish not good at all!!!!:mad:

TartanWarrior

If you cancel your card, you need to wait 6 months.
You will only get 0% for a year, retentions can't even do 0% on a balance transfer, most of the time. Staff get something like 11.4%.

The thing with any bank is your behavour score. The better your behavour score is the more you can get and will be worth retaining. The better deals you will be offered.

It can be boosted by never using an ATM (Cashback only) and lots of credits, e.g. one big transfer to a savings and lots off little transfers back.

moneysavingwannabe

Hi,

I would assume I have quite a good behaviour score cos I still have most of my accounts with them ISAs etc, and I hardly ever use an ATM. (Do need to find better interest rates etc tho!)

Maybe now is the time to swap!