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Balance Transfer offers

edited 30 November -1 at 1:00AM in Credit Cards
4 replies 659 views
ChurchfarmChurchfarm Forumite
6 posts
edited 30 November -1 at 1:00AM in Credit Cards
Hi everyone
I have two credit cards with halifax. One has a high limit, nearly £15k and is 80% utilised with a 0% BT and is being paid down at nearly 3 times the minimum payment.

It has a current 0% balance and money transfer offer although only for 9 months.

The other has a limit of £3.2k. It was full with the introductory 0% offer but has been paid down and is now 18% utilised. It has no BT or MT offer and again is regularly overpaid.. To my knowledge I have a clean history with no missed payments.
Can anyone explain why one should have an offer on but not the other please?

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