Thanks - sounds like I'll be getting the same then :-(
hotisgood
26 Nov 15#63
hi gt15,
I got that usual letter after a week, with the words stating Unfortunately, on this occasion, we regret to inform you that - on this occasion, ur application was unsuccessful
no emails
hotisgood
4 Nov 15#14
did anyone get an instant decision with a credit limit - I applied and got a message
You should expect to receive a letter within five working days.
gta15 to hotisgood
26 Nov 15#62
Hi hotisgood same here - did you get an email or anything confirming?
craigsville
6 Nov 151#58
Managed to get £2200 balance t/f on this card + TCB £24.15
I also applied for the Tesco one because I needed some more for b/t - They approved me for £14k !!!!!! WTF !! - I only needed another £1k - LOL
bargainhunter666 to craigsville
11 Nov 15#61
That should show everyone that not to apply for this! I got declined - never been declined before. Just as poster above says. Must have strict criteria and £2200 is a naff limit to give.
rlocock
7 Nov 15#59
It says no transfer from other Bank Of Ireland cards. How do I find out which cards are managed by the group?
craigsville to rlocock
7 Nov 15#60
I managed to transfer the £2200 from a Post Office credit card which is BOI
FEE FREE?
This is actually FEE FREE, You got charged.
cliosport65 to bigbill2656
4 Nov 15#6
this one has No Fee :smile:
dromoreboy to bigbill2656
5 Nov 151#25
this is the longest FEE FREE offer (yours charges 2.99% fee)
No fee and 0% on balance transfers for the first 22 months
0% for 22 months on balance transfers made in the first 3 months
0% for 3 months on purchases from account opening
No fee to make balance transfers
No annual fee
johnro to bigbill2656
5 Nov 15#35
thanks for this
just got my application in and it has been accepted :wink:
pantaiema to bigbill2656
6 Nov 151#57
"0% for 36 months on balance transfers, with a fee of 2.39%
Move a balance from another credit or store card and get 36 months at 0% to pay it of"
You are definitely new in this game if you compare your virgin CC with this ...
Say you have £10,000 balance to transfer, it will cost you £239.00 with Virgin CC while this one cost you
£0.
thedvdmonster
6 Nov 15#55
Be nice to see if anyone ever gets these so called great deals.
Missus has a perfect credit score yet apparently doesn't qualify for this after going through the whole process.
So only people with crap credit scores qualify ?
BenderRodriguez to thedvdmonster
6 Nov 151#56
Banks don't make any money whatsoever on people with perfect credit score who manage their budget responsibly. I bet they even make a loss on managing accounts like this.
Banks do however make sh*tloads of money on people with poor credit score who spend more than they have, pay 30% interest and late payment charges every couple of months.
I think this answers your question. :smiley:
ifa
6 Nov 151#54
got declined, like in the first time ever.. good luck
bigbill2656
4 Nov 15#9
Yes I did but got 6 bottles of wine free for transferring £500 so I did pay £11 but got the wine for free win win oh and it was Hardys Nottagehill 14% cheapest price Asda £5 most places about £8 a bottle 6 x £5 = £30 I paid £11. so I think I got the better deal by far!
Just noticed you have to transfer £1000 now but that's still better unless you don't drink wine
rincage to bigbill2656
6 Nov 15#53
I love it. People are in debt so they introduce a credit card that allows you to stay in debt and then give you alcohol as a reward. And people wonder why we had a financial crisis!
Anarki
5 Nov 15#52
Heat added, good deal, not one that I can or will take advantage of though as I'm currently with a Barclaycard 0% BT deal for another 28 months give or take.
The longer deal with mine meant a lower monthly payment even after the 2.29% fee, thus meaning I could manage my monthly payments easier.
NOTHING WRONG WITH THE LINK DIRECT FROM THE AA CREDIT CARDS WEBSITE
cliosport65
5 Nov 15#47
What are you going on about?????????????????
Probably bitter because you rejected :laughing:
muffboy
5 Nov 15#46
You will have to explain yourself a bit more as I haven't a clue what you are talking about?
maddoglewis
5 Nov 15#45
Also with £33 quidco or £25.20 TCB
kent84
5 Nov 15#44
Which if you're like that makes your decision to get rid of credit cards very sensible, but doesn't apply to everyone! I've never bought anything on a credit card that I wouldn't have bought anyway, they are merely to change my payment method to earn rewards - that £1000+ I've earnt is effectively free money for doing very little!
In your defense you were offering advice and not explicitly saying "don't do it", but I'm a bit fed up of loads of people online acting like credit cards are from the devil and should be avoided. And back to your original question, the best rewards card depends on your credit record, who you bank with and what rewards you want.
muffboy
5 Nov 15#39
These are great for offset mortgage purposes, especially for those who pay off their usual credit card bill in full. Transfer balance to one of these each month and leave the money sitting in your current account offsetting. Best one's are where you can transfer fee free for the duration, not just 1st 90 days or so.
jezzery to muffboy
5 Nov 15#43
You can get round that by transferring the max limit of this card to a credit card that allows a positive balance. Then transfer that into your offset mortgage account so you don't pay interest on it.
paulsssss
5 Nov 15#42
what I mean by self control if I see something then I would just buy it and think worry about paying it later. now I just buy stuff if I have the money available.
evfella
5 Nov 15#41
I was paying huge interest on 2 cards, just got excepted for this over the mood cheers op!
kent84
5 Nov 15#40
You can reject credit limit increases on absolutely any credit card. If you get a card from anyone with a limit of more than £1000 and ask them to reduce it, there's no logical reason whatsoever they'd refuse to do so (the only caveat is if you wait a while some companies will occasionally give you another credit check and could refuse on the basis of your credit record).
I'm also not sure why your lack of self control should mean anything to other people. I've only been using cards for about 5 years yet have saved/earnt well over £1000...
dodgymix
5 Nov 15#31
Just standard fair now, basically copied off the Halifax deal from 2m ago which offered 22m int free /6m int free on purchases and no fees.
They also offered either £25 or £35 cashback on quidco
so this is actually much worse
jezzery to dodgymix
5 Nov 15#38
Great card for stoozing. I believe the aa allows you to transfer the money straight into your account too.
Bigalfonso
5 Nov 155#37
I saw an AA man in his van on the M1.
He looked very worried and I said to my wife, 'He's heading for a breakdown, mark my words'
sprite127594
5 Nov 15#30
Please I'm a simpleton which finds all this talk goble de gouke.
Should I have a credit card? Never owned one.
What fees are there and what are the advantages of using one?
jazlabs to sprite127594
5 Nov 151#33
If you don't already have a credit card then this one is probably no good for you as the main benefit is the fee-free (and interest free) balance transfer. Balance transfers are for transferring the debt from another credit card (that you may be paying interest on and don't want to pay off in full) to this card so you can pay it off over a longer period without paying any interest.
Credit cards are absolutely worth having as many offer benefits such as cashback, interest free periods, reward points (claimable as vouchers / holidays / flights etc). If you are buying things with cash or debit card when you could be using a benefits credit card then you're effectively losing out. Having a credit card and not missing any payments also helps build a good credit record making you more credible for better offers or for mortgage applications.
Thomablue to sprite127594
5 Nov 15#34
With greatest respect,the mere fact you have asked such a question probably means a credit card is not for you.
paulsssss to sprite127594
5 Nov 152#36
trust me if I could go back 20 years I would now not bother. Have none now but easy to get in dept with I realise it is self control but you start with a 500 limit and they keep increasing it till it gets to the point you spend more than you can pay back without using it again.
they do have the advantage of covering you for purchases and i would like one which gives 1K limit and never increases it. so if anyone knows of one please let me know cash back would be good to it will just be use and pay in full end of month.
So now if I cannot afford it I borrow off me mum :smile: (only for car problems) I realise not everyone can borrow.
airwaver
5 Nov 15#32
Tesco offering the same, zero fee with 21 months 0%
bells0
5 Nov 15#29
Wish they'd offer this to current customers! Just paid off my last 0% with AA, their usual offerings are rubbish.
madda
5 Nov 15#28
I love reading the comments on this type of stuff, if only to confirm there are lots of people out there tighter than me! :smiley:
howdiefellas
5 Nov 15#27
can pay my mortgage for a few months with this thanks
Monkeybumcheeks
5 Nov 153#26
Is there a fee with this card ? :man:
cliosport65
5 Nov 15#24
that's OK it's nearly Friday :wink:
cliosport65
5 Nov 15#23
they are for purchases not balance transfers :wink:
kelsbels12
5 Nov 15#22
fee? for what
cliosport65
5 Nov 15#21
No fee balance transfer yes :smile:
bfchris
5 Nov 15#15
How did you pay into your offset mortgage account? Just asked bank to take a payment?
SFconvert to bfchris
5 Nov 151#20
I had credit card cheques so it was easy, but you can just transfer the maximum allowed to another credit card, taking it to a credit balance, then getting the other credit card company to pay that money back to your bank account
jazlabs
5 Nov 151#19
I can't see it and it doesn't explicitly say in the terms and conditions, however their definition of a Balance Transfer in the T&Cs would suggest it would only be allowed to 'reduce' a debt rather than add to your credit, but surely that would include anyone in their overdraft?
"Balance Transfer – a payment we make on your request to another organisation which pays off or reduces the amount that you owe to that other organisation excluding any Bank of Ireland Group company;"
Technically this would be a Money Transfer - but there's no mention of that at all in the T&Cs, so possibly not allowed.
jazlabs
5 Nov 15#18
Note that you can't use this to transfer to any other Bank of Ireland issued cards, so if your credit card is issued by a provider that uses Bank of Ireland as the card issuer, then you won't be able to use this deal. I believe this includes Post Office cards, but there is probably a long list. Just double check before applying :smiley:
mistermoneysaver
5 Nov 15#17
Would that be in the summary box?
jazlabs
5 Nov 151#16
Cameron must be doing a good job with the economy, HUKD is rife with interest free credit card deals! Just need the 105% mortgage deals and credit crunch 2.0 is on the horizon! :smiley: . Disclaimer; I'm joking... Unless of course JC is elected!
I should add for the sake of staying on topic; this is a fantastic deal. If you have a balance on a credit card and paying interest, or you have an interest free purchase card nearing the end of the interest free period, apply now!
Has anyone confirmed if you can transfer into a current account as a loan alternative? Don't want it for myself, but may help the community if anyone has gone through the terms.
SFconvert
4 Nov 151#13
A good deal if you get a high enough credit limit. Best deal I ever got was from an MBNA card who gave me a £14k limit (those crazy times before the credit crunch) and a max fee of £75. Put 95% of my credit limit into my offset mortgage for a year, saved quite a bit!
bargainhunter666
4 Nov 15#12
Not easy to get? knock you back and lower your credit score!
kelsbels12
4 Nov 151#10
23 quid cashback on quid Co for me
nigelpm to kelsbels12
4 Nov 15#11
same card but not fee free.
nigelpm
4 Nov 15#7
Quidco takes you to a different card with a fee on BT sadly
cliosport65 to nigelpm
4 Nov 15#8
Ok thank you for letting me know I will remove the Quidco :smiley:
![Fresh Breakfast Meat Box (Using code) @ Campbells Meat [Haggis / Lorne Sausage / Bacon / Black Pudding & More]](/images/topics/208684_1.jpg)
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Opening post
No fee and 0% on balance transfers for the first 22 months
0% for 22 months on balance transfers made in the first 3 months
0% for 3 months on purchases from account opening
No fee to make balance transfers
No annual fee
Plus 40% discount AA European Breakdown cover on trips of 3 days or more if you book by 1st April 2016*
Apply online for an AA Balance Transfer Credit Card
Top comments
He looked very worried and I said to my wife, 'He's heading for a breakdown, mark my words'
http://m.virginmoney.com/virgin/credit-cards/money-transfer/
Latest comments (65)
I got that usual letter after a week, with the words stating Unfortunately, on this occasion, we regret to inform you that - on this occasion, ur application was unsuccessful
no emails
You should expect to receive a letter within five working days.
I also applied for the Tesco one because I needed some more for b/t - They approved me for £14k !!!!!! WTF !! - I only needed another £1k - LOL
http://m.virginmoney.com/virgin/credit-cards/money-transfer/
This is actually FEE FREE, You got charged.
No fee and 0% on balance transfers for the first 22 months
0% for 22 months on balance transfers made in the first 3 months
0% for 3 months on purchases from account opening
No fee to make balance transfers
No annual fee
just got my application in and it has been accepted :wink:
Move a balance from another credit or store card and get 36 months at 0% to pay it of"
You are definitely new in this game if you compare your virgin CC with this ...
Say you have £10,000 balance to transfer, it will cost you £239.00 with Virgin CC while this one cost you
£0.
Missus has a perfect credit score yet apparently doesn't qualify for this after going through the whole process.
So only people with crap credit scores qualify ?
Banks do however make sh*tloads of money on people with poor credit score who spend more than they have, pay 30% interest and late payment charges every couple of months.
I think this answers your question. :smiley:
Just noticed you have to transfer £1000 now but that's still better unless you don't drink wine
The longer deal with mine meant a lower monthly payment even after the 2.29% fee, thus meaning I could manage my monthly payments easier.
Swings and roundabouts :smiley:
http://www.quidco.com/aa-credit-cards
and tcb
http://www.topcashback.co.uk/aa_credit_cards/
For loads of info on BT... http://www.moneysavingexpert.com/credit-cards/balance-transfer-credit-cards
check .. https://www.moneysavingexpert.com/eligibility/credit-cards/ for a soft search.
also... http://www.moneysavingexpert.com/credit-cards/?_ga=1.200187438.1496448842.1415019642 for more info.
Probably bitter because you rejected :laughing:
In your defense you were offering advice and not explicitly saying "don't do it", but I'm a bit fed up of loads of people online acting like credit cards are from the devil and should be avoided. And back to your original question, the best rewards card depends on your credit record, who you bank with and what rewards you want.
I'm also not sure why your lack of self control should mean anything to other people. I've only been using cards for about 5 years yet have saved/earnt well over £1000...
They also offered either £25 or £35 cashback on quidco
so this is actually much worse
He looked very worried and I said to my wife, 'He's heading for a breakdown, mark my words'
Should I have a credit card? Never owned one.
What fees are there and what are the advantages of using one?
Credit cards are absolutely worth having as many offer benefits such as cashback, interest free periods, reward points (claimable as vouchers / holidays / flights etc). If you are buying things with cash or debit card when you could be using a benefits credit card then you're effectively losing out. Having a credit card and not missing any payments also helps build a good credit record making you more credible for better offers or for mortgage applications.
they do have the advantage of covering you for purchases and i would like one which gives 1K limit and never increases it. so if anyone knows of one please let me know cash back would be good to it will just be use and pay in full end of month.
So now if I cannot afford it I borrow off me mum :smile: (only for car problems) I realise not everyone can borrow.
"Balance Transfer – a payment we make on your request to another organisation which pays off or reduces the amount that you owe to that other organisation excluding any Bank of Ireland Group company;"
Technically this would be a Money Transfer - but there's no mention of that at all in the T&Cs, so possibly not allowed.
I should add for the sake of staying on topic; this is a fantastic deal. If you have a balance on a credit card and paying interest, or you have an interest free purchase card nearing the end of the interest free period, apply now!
Has anyone confirmed if you can transfer into a current account as a loan alternative? Don't want it for myself, but may help the community if anyone has gone through the terms.