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    • Al Ross
    • By Al Ross 12th Apr 18, 9:05 PM
    • 407Posts
    • 79Thanks
    Al Ross
    Natwest have paid up,where to now?
    • #1
    • 12th Apr 18, 9:05 PM
    Natwest have paid up,where to now? 12th Apr 18 at 9:05 PM
    Hi,

    All you serial switchers,now that most of us have received our free 125 from Natwest,where next to go?

    I have two options either the Halifax or M&S

    Is it worth going to the Halifax for 75 or wait till they maybe they increase it back up to 125.

    Or M&S sounds a great deal if you have 3 Direct Debits which I have.

    I have had my payments from HSBC,First Direct,Clydesdale B,and Natwest.
Page 1
    • Hattie625
    • By Hattie625 12th Apr 18, 9:21 PM
    • 706 Posts
    • 562 Thanks
    Hattie625
    • #2
    • 12th Apr 18, 9:21 PM
    • #2
    • 12th Apr 18, 9:21 PM
    Hi,

    All you serial switchers,now that most of us have received our free 125 from Natwest,where next to go?

    I have two options either the Halifax or M&S

    Is it worth going to the Halifax for 75 or wait till they maybe they increase it back up to 125.

    Or M&S sounds a great deal if you have 3 Direct Debits which I have.

    I have had my payments from HSBC,First Direct,Clydesdale B,and Natwest.
    Originally posted by Al Ross
    It's a fun wee hobby, isn't it?
    • pmatt
    • By pmatt 12th Apr 18, 9:28 PM
    • 49 Posts
    • 26 Thanks
    pmatt
    • #3
    • 12th Apr 18, 9:28 PM
    • #3
    • 12th Apr 18, 9:28 PM
    First Direct don't like me. Which makes me think M&S won't like me either, as they're owned by HSBC. (Which is odd, because HSBC do like me.)

    I would try Halifax, but when I click on "Apply Now" or whatever, it takes me to an error page.
    • Heng Leng
    • By Heng Leng 12th Apr 18, 10:12 PM
    • 4,490 Posts
    • 1,405 Thanks
    Heng Leng
    • #4
    • 12th Apr 18, 10:12 PM
    • #4
    • 12th Apr 18, 10:12 PM
    Hi,

    All you serial switchers,now that most of us have received our free 125 from Natwest,where next to go?

    I have two options either the Halifax or M&S

    Is it worth going to the Halifax for 75 or wait till they maybe they increase it back up to 125.

    Or M&S sounds a great deal if you have 3 Direct Debits which I have.

    I have had my payments from HSBC,First Direct,Clydesdale B,and Natwest.
    Originally posted by Al Ross
    I would gather most 'serial switchers' have already bagged M&S and Halifax.
    • pmatt
    • By pmatt 12th Apr 18, 10:15 PM
    • 49 Posts
    • 26 Thanks
    pmatt
    • #5
    • 12th Apr 18, 10:15 PM
    • #5
    • 12th Apr 18, 10:15 PM
    Finally got through to Halifax. Turns out they don't like me either.

    So I'm done.

    HSBC 200
    Amex 100
    Clydesdale 250
    NatWest 125

    Total 675
    in just over a year

    Plus I get cash back from various cards and accounts each month.

    Not too shabby.
    • YorkshireBoy
    • By YorkshireBoy 12th Apr 18, 10:22 PM
    • 30,137 Posts
    • 17,988 Thanks
    YorkshireBoy
    • #6
    • 12th Apr 18, 10:22 PM
    • #6
    • 12th Apr 18, 10:22 PM
    Finally got through to Halifax. Turns out they don't like me either.

    So I'm done.

    HSBC 200
    Amex 100
    Clydesdale 250
    NatWest 125
    Originally posted by pmatt
    Didn't do the recent TSB offer?
    Already done Nationwide?


    I wouldn't discount M&S. Many people get FD and M&S but not HSBC...so you're doing OK so far.
    • pmatt
    • By pmatt 12th Apr 18, 10:28 PM
    • 49 Posts
    • 26 Thanks
    pmatt
    • #7
    • 12th Apr 18, 10:28 PM
    • #7
    • 12th Apr 18, 10:28 PM
    Didn't do the recent TSB offer?
    Already done Nationwide?
    Originally posted by YorkshireBoy
    I already had a TSB account. Nationwide doesn't appear to have an offer at the moment.

    I got the same message from M&S that I got when I applied for First Direct we'll get back to you in five days. FD e-mailed me this afternoon asking me to call. I spent an hour on the phone to them giving vast amounts of personal information. At the end of which they told me to get stuffed. I'm not going through that again with M&S. If they ask me to supply more information, I'm not going to bother.

    Halifax gave me an immediate no.

    It's all a bit of a mystery. My total savings exceeds my total credit card debt by a healthy amount. I have an HSBC Advance account and an Amex Gold Card. MBNA just offered me a 3 year 7.9% balance transfer deal (that I didn't apply for I'm an existing cardholder).

    But FD think I'm scum, apparently.
    • YorkshireBoy
    • By YorkshireBoy 12th Apr 18, 10:30 PM
    • 30,137 Posts
    • 17,988 Thanks
    YorkshireBoy
    • #8
    • 12th Apr 18, 10:30 PM
    • #8
    • 12th Apr 18, 10:30 PM
    Nationwide doesn't appear to have an offer at the moment.
    Originally posted by pmatt
    Nationwide have had "an offer" for more years than I care to remember, and still do. Search their website for 'recommend a friend'.
    My total savings exceeds my total credit card debt by a healthy amount.
    Sadly no-one but you and the savings account provider(s) know that, being as it's not shown on your credit report.
    • 18cc
    • By 18cc 12th Apr 18, 10:57 PM
    • 389 Posts
    • 232 Thanks
    18cc
    • #9
    • 12th Apr 18, 10:57 PM
    • #9
    • 12th Apr 18, 10:57 PM
    Wonder if Barclays, Santander or Lloyds will do one...
    • YorkshireBoy
    • By YorkshireBoy 12th Apr 18, 11:01 PM
    • 30,137 Posts
    • 17,988 Thanks
    YorkshireBoy
    Wonder if Barclays, Santander or Lloyds will do one...
    Originally posted by 18cc
    Santander already have one, although not directly but through an affiliate. It offers a lowly 36 for switching to a 123 account.
    • OceanSound
    • By OceanSound 13th Apr 18, 2:27 AM
    • 97 Posts
    • 16 Thanks
    OceanSound
    Santander already have one, although not directly but through an affiliate. It offers a lowly 36 for switching to a 123 account.
    Originally posted by YorkshireBoy
    Who is the affiliate? Take it there is still a 5 pound monthly fee?
    • crumpetman
    • By crumpetman 13th Apr 18, 4:40 PM
    • 215 Posts
    • 569 Thanks
    crumpetman
    Finally got through to Halifax. Turns out they don't like me either.

    So I'm done.

    HSBC 200
    Amex 100
    Clydesdale 250
    NatWest 125

    Total 675
    in just over a year

    Plus I get cash back from various cards and accounts each month.

    Not too shabby.
    Originally posted by pmatt


    Since when have AMEX had a switching offer?
    • Al Ross
    • By Al Ross 13th Apr 18, 7:17 PM
    • 407 Posts
    • 79 Thanks
    Al Ross
    Halifax,like me,just signed up and switch from Natwest in 7 days and my free 75. Sweet.
    • Nick_C
    • By Nick_C 13th Apr 18, 7:21 PM
    • 3,774 Posts
    • 5,184 Thanks
    Nick_C
    Since when have AMEX had a switching offer?
    Originally posted by crumpetman
    Not really a switching offer, but you can get at least 20000 membership rewards worth at least 100 by taking out the Amex Preferred Rewards Gold Card.
    • YorkshireBoy
    • By YorkshireBoy 13th Apr 18, 7:29 PM
    • 30,137 Posts
    • 17,988 Thanks
    YorkshireBoy
    Halifax,like me,just signed up and switch from Natwest in 7 days and my free 75. Sweet.
    Originally posted by Al Ross
    I think I'd have waited until it was back up at 125. Then again, they could stop doing incentives altogether, although somehow I doubt it.
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