balance transfers + purchases at different rates

amberoatcake

I transferred a large balance onto my MBNA card at 0% with a 3% fee. As i use the card for everything and pay it off in full each month i specifically checked if purchases were paid off first each month - i was assured they were and that anything i paid above this would be knocked off the balance transfer.
This has not been the case, it is the balance transfer that is paid first. This means purchases will never be paid for until the balance transfer has been paid in full. So interest at 18% is being charged on purchases until the 8000 transfer is paid off.
I am fuming as this is not what i was told - mbna are being totally unreasonable and are refusing to believe i was given the wrong info.
I've paid a £240 transfer fee and don't want to have to do so again to move it.
What can i do? Any advice?

DestroyingAngel_2

Check 2f of your Terms & Conditions. It states:


2f

We will use your payments to pay off balances at lower interest
rates before those at higher interest rates, including transactions made

after your last statement date but before the date we receive your

payment. If any standard interest rate and any promotional offer
interest rate are the same, we will pay off your promotional offer
interest rate first. If you have two or more promotional offer interest
rates on your account which are the same, we will pay them off in the
following order: first we will pay off the balance at the promotional offer
interest rate which expires first or, if two or more promotional offer
interest rates expire at the same time, we will pay off the one which
would otherwise have had the earliest start date. If two or more
promotional offer interest rates have the same expiry date and would
otherwise have the same start date, we will first pay off whichever has
the lowest standard interest rate. Then we will pay off balances in the
following order: card purchases; balance transfers; cheque transactions
and money transfers before cash transactions.


(this was cut & pasted straight from MBNA's own website under "terms & conditions"). https://wwwa.applyonlinenow.com/UKCCapp/Ctl/link?eid=211F226F

Staciep88

Your not meant to make purchasing on a card that you have transfered to for that exact reason, if you go on the main site and look what martin says about Balance Transfers that should give you an idea.

nzseries1

amberoatcake wrote: »

As i use the card for everything and pay it off in full each month i specifically checked if purchases were paid off first each month - i was assured they were

You were assured wrong.

There is a list of cards at the following link:
http://www.stoozing.com/0fees.php
The ones in the first table have no balance transfer fees (however the 0% is only for 6 months).

HamiltonL

Common with most cards amber. The hierarchy of payments takes the balance transfer, then the smaller charges/fee, int charges, moving upto the larger ones. MBNA aren't alone. As others have said, best to use the card for one or the other, not both balance transfers AND purchases.