Make Sense of Cards - which card?

torryquine Newbies Offline Making Sense of Cards Posts: 17 Aberdeen	which card? 26. Mar 2008 at 20:11 hi there, can anyone tell me which cards you can use to transfer a balance to current account instead of paying off another card. thank you
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morexella

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Re: which card?
Reply #1 - 26. Mar 2008 at 20:57

torryquine wrote on 26. Mar 2008 at 20:11:

hi there, can anyone tell me which cards you can use to transfer a balance to current account instead of paying off another card. thank you

Hi torryquine and welcome to the site

.

There are a few cards that let you transfer a balance from a current account / overdraft (i.e. the money goes from the credit card to the current account). In the past I have used MBNA cards (such as Virgin Atlantic White, Virgin Money card) and the Egg cards. I believe Mint, Abbey and the Post Office cards also offer this facility.

Virgin Atlantic White currently offers 0% for 6 months with a 2% balance transfer fee (capped at £50). They generally are quite good with credit limits but it will depend very much on your personal circumstances.

Hope that helps.
M.

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torryquine Newbies Offline Making Sense of Cards Posts: 17 Aberdeen	Re: which card? Reply #2 - 26. Mar 2008 at 21:05 many thanks for your reply. will be doing it in husband's name and he already has an mbna card. will look at the other cards you mention.
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morexella Newbies Offline Making sense of cards Posts: 16	Re: which card? Reply #3 - 26. Mar 2008 at 21:08 torryquine wrote on 26. Mar 2008 at 21:05: many thanks for your reply. will be doing it in husband's name and he already has an mbna card. will look at the other cards you mention. I've heard reports of other people having more than 1 MBNA at one time. You could try phoning and asking. M.
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torryquine Newbies Offline Making Sense of Cards Posts: 17 Aberdeen	Re: which card? Reply #4 - 26. Mar 2008 at 21:11 great, thank you. will do
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Autumn Newbies Offline Making sense of cards Posts: 42	Re: which card? Reply #5 - 26. Mar 2008 at 22:31 If you have unused credit on one MBNA card I think it is possible to transfer it to another MBNA card, so never close an empty MBNA card. and ask if you can transfer the unused credit over.
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Carol Newbies Offline Making sense of cards Posts: 24 Elgin	Re: which card? Reply #6 - 27. Mar 2008 at 06:02 torryquine wrote on 26. Mar 2008 at 21:11: great, thank you. will do Hey, a local lass! Glad to have some company!
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clariman Administrator Offline Making sense of cards Posts: 112	Re: which card? Reply #7 - 27. Mar 2008 at 08:58 Carol wrote on 27. Mar 2008 at 06:02: torryquine wrote on 26. Mar 2008 at 21:11: great, thank you. will do Hey, a local lass! Glad to have some company! You'be looking for a loon next. Fit likes the weather up your way? Clariman
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torryquine Newbies Offline Making Sense of Cards Posts: 17 Aberdeen	Re: which card? Reply #8 - 27. Mar 2008 at 12:49 weather's nae se bad the day. the sna's awa fur noo an the sun's oot fur a wee filee
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NewStu Junior Member Offline Making sense of cards Posts: 91 At PC	Re: which card? Reply #9 - 27. Mar 2008 at 14:31 Is it dreech though?
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torryquine Newbies Offline Making Sense of Cards Posts: 17 Aberdeen	Re: which card? Reply #10 - 27. Mar 2008 at 18:11 it's nae a bit dreech the day, it's bonnie and bricht and sunny
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torryquine Newbies Offline Making Sense of Cards Posts: 17 Aberdeen	Re: which card? Reply #11 - 27. Mar 2008 at 18:15 thanks autumn, don't think he's using the mbna card at the moment and he has a big credit limit. should he apply the for new card first then ask for the same limit? how does the money get from the mbna card to the current account. do mbna do it, or will they send some cheques?
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morexella

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Re: which card?
Reply #12 - 27. Mar 2008 at 20:13

torryquine wrote on 27. Mar 2008 at 18:15:

thanks autumn, don't think he's using the mbna card at the moment and he has a big credit limit. should he apply the for new card first then ask for the same limit? how does the money get from the mbna card to the current account. do mbna do it, or will they send some cheques?

If there's nothing on the card at present I would phone MBNA & ask if they can do an offer on that card (loyalty team phone number is 0800 7831 116 - phone during normal office hours). Point out the current deal on the Virgin Atlantic White Card. If they won't match (or better) that offer ask if you can open a Virgin Atlantic White card + transfer the old card's limit across.

Once you have the balance transfer offer in place you will be offered the choice of a balance transfer from another card or a current account/overdraft.

Let us know how you get on.
M.

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torryquine Newbies Offline Making Sense of Cards Posts: 17 Aberdeen	Re: which card? Reply #13 - 27. Mar 2008 at 20:25 many thanks for the information. will get him to give it a go.
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torryquine

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Re: which card?
Reply #14 - 07. Apr 2008 at 21:11

update on husband's mbna card; found that the card has expiry date sometime in 07 and he says he didn't get a new one. haven't managed to persuade him to phone them to enquire about it and don't suppose there's any chance of them speaking to me about his cards.

trying to persuade him to let me apply for another card for him but he says he's not keen on all this stuff - and he thinks he's better with money than me! shame his mbna card has 15900 limit, would make a nice bt.

however discovered that my mbna card is a platinum plus so can do a transfer to current account myself - only 3k though

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NewStu Junior Member Offline Making sense of cards Posts: 91 At PC	Re: which card? Reply #15 - 08. Apr 2008 at 06:50 Hi Torryquine My partner is much the same. MBNA card that they are always writing to her about using one of their many free pffers, but she never does. Groan NewStu
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torryquine

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Re: which card?
Reply #16 - 10. Apr 2008 at 18:51

well, got husband in weak moment tonight and he agreed i could apply for some cards for him. did 3 online applications halifax all in one - thought i'd try that as he has account at bank of scotland and has a halifax card with 9350 cl already. they came back with 5050
tried virgin card they came back with a message asking him to phone 0800 number and if they didn't hear from him they'd be in touch in 7-10 days. no chance of getting him to phone them so need to wait for that one. might be something to do with me saying he had 1 credit card already and they might still have him down as having the mbna platinum plus card, the one he has has 10/07 expiry date, but can't get him to phone and sort that one out.
third application was mint and they came back with 4150cl.

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Re: which card?
Reply #17 - 11. Apr 2008 at 09:44

Hi Torryquine

Well done on your success with Mr T Wink

Did you look at the BT fee free cards on the list? Am now trying my best to avoid fees wherever possible as rates are dropping and margins squeezed.

I shall continue to work on Mrs NS. It is the phoning MBNA to make use of their many offers that she is reluctant to do. That, and she was refused CapOne when I applied on her behalf for her birthday Grin

NewStu

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torryquine

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Re: which card?
Reply #18 - 11. Apr 2008 at 19:25

hi newstu, yes i did consider fee free ones, but thought i'd be pushing my luck trying to get him to check credit rating. because he always pays cards off and avoids credit cards and credit wasn't sure if it would be excellent. thought i'd open an account at either britannia or n&p and apply for one of their cards next time round. which of these would you recommend.

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NewStu

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Re: which card?
Reply #19 - 12. Apr 2008 at 08:54

Hi T

I took out the Britannia one at the end of last year and got decent CL with that. Had to put £100 as minimum in one of their savings accounts. Will take that back out when close the card in May (if no repeat offers).

Actually am just doing the N&P one. Only need £1 in their saver account. Hopefully application will be accepted andf CL decent.

NS

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torryquine Newbies Offline Making Sense of Cards Posts: 17 Aberdeen	Re: which card? Reply #20 - 12. Apr 2008 at 09:23 oh right, with only a small amount required might open accounts at both so i'm set up to try for the credit cards later on. thanks
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NewStu Junior Member Offline Making sense of cards Posts: 91 At PC	Re: which card? Reply #21 - 12. Apr 2008 at 18:31 Hi TQ With credit markets moving the way they are, perhaps best to get the accounts opened and think about applying for the cards before too long. Roumer was that Britannia would be withdrawn, but that was in December and it is still around! NS
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torryquine

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Re: which card?
Reply #22 - 12. Apr 2008 at 18:44

i did try an online application with britannia this morning for the direct saver using the link on the site, filled in all the details including amount to transfer and account details, was reading though the terms and conditions before i ticked the box at the end then lost internet connection. not sure if details went through or not and could not get back to the application details. emailed them but email reply says someone will be in touch within 48 hours. may have to start again.

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