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  • FIRST POST
    • Churchfarm
    • By Churchfarm 18th May 19, 2:38 PM
    • 6Posts
    • 0Thanks
    Churchfarm
    Balance Transfer offers
    • #1
    • 18th May 19, 2:38 PM
    Balance Transfer offers 18th May 19 at 2:38 PM
    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?
Page 1
    • zx81
    • By zx81 18th May 19, 2:43 PM
    • 23,842 Posts
    • 26,514 Thanks
    zx81
    • #2
    • 18th May 19, 2:43 PM
    • #2
    • 18th May 19, 2:43 PM
    Because offers are different not only across cards, and also within and across customer accounts.
    • Churchfarm
    • By Churchfarm 19th May 19, 5:40 PM
    • 6 Posts
    • 0 Thanks
    Churchfarm
    • #3
    • 19th May 19, 5:40 PM
    • #3
    • 19th May 19, 5:40 PM
    Cheers is there any way I could request an offer if I ring up do you think? Or does the computer just say "no"??
    • adindas
    • By adindas 19th May 19, 5:53 PM
    • 4,165 Posts
    • 2,636 Thanks
    adindas
    • #4
    • 19th May 19, 5:53 PM
    • #4
    • 19th May 19, 5:53 PM
    Cheers is there any way I could request an offer if I ring up do you think? Or does the computer just say "no"??
    Originally posted by Churchfarm

    Highly unlikely for obvious reason.

    You will get a better chance if you apply another credit card from different companies.
    • Willing2Learn
    • By Willing2Learn 19th May 19, 5:57 PM
    • 4,429 Posts
    • 3,977 Thanks
    Willing2Learn
    • #5
    • 19th May 19, 5:57 PM
    • #5
    • 19th May 19, 5:57 PM
    But there is no harm in ringing Halifax and asking them though...
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

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