Balance Transfer offers

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Churchfarm
Churchfarm Posts: 8 Forumite
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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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  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
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    Because offers are different not only across cards, and also within and across customer accounts.
  • Churchfarm
    Churchfarm Posts: 8 Forumite
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    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
    adindas Posts: 6,813 Forumite
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    Churchfarm wrote: »
    Cheers is there any way I could request an offer if I ring up do you think? Or does the computer just say "no"??


    Highly unlikely for obvious reason.

    You will get a better chance if you apply another credit card from different companies.
  • Willing2Learn
    Willing2Learn Posts: 6,294 Forumite
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    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

    :smiley:
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