Heat added :smiley:


Happy New Year Chachi..
You have robbed most of my money in 2015 with your deals :wink:

Halifax Offer
Halifax link - 0% for 23 months Balance Transfer with no fee

Cashback
Halifax £20 Quidco link
Halifax £20 TCB link
Terms state that to receive cashback customers must use their cards within the first three months of activation. No mention of a minimum spend though.

Checking your eligibility
If you have any doubts around being accepted, checkout the Moneysupermarket tool which gives likelihood of acceptance with no impact on credit rating
Moneysupermarket eligibility checker link

Alternative fee free Balance transfer cards
- AA 0% balance transfer for 22 months (no fee)
- Tesco 0% balance transfer for 21 months (no fee)

Great deal Chanchi, and all of your 2015 deals!
Happy new year to all :smiley:

Heat added, and have a fantastic new year :smile:

How long was this offer interest free for?

Yeah I got an "accepted" email soon after.

No, I just applied with success

Did anyone else go through the process, get accepted, however on the last page have the message...

"Thank you for applying for a credit card with us. Unfortunately, we can’t start producing your card immediately due to a system error."

?

Way to go!. Did you have to pay a transfer fee?.

I'd try and pay it off toward the end of free period so it will be easier to transfer next time.
I'd try and get a 0% monthly purchase interest card and use that for monthly purchases. I'd guess the Platinum has quite a high IR so try not to add to it unless you can clear it every month. After a few months your CR should improve.
Remember you can transfer more than the balance of your old card so giving you an interest fee loan on you old card.

The trick with Credit cards is to be able to pay them off without incurring interest charges - but that takes financial discipline. Not easy

TCB (topcashback) is SH*T . Cashback you will receive after 8 to 10 months if you are lucky.

Thanks for all the advice.
I tried again and it saidi was 90% chance of being accepted for the Barclycard platinum card so i went for it and got accepted.
They also gave me a limit of over 5k.
Think it helped i added £10k onto my salary.

Got accepted for 13 months, not as good as I was hoping for but good enough thanks OP.

You might as well - if you get turned down you'll be no worse off.
What will you do in that case - you'll have to pay it off or take an IVA.

See CAB. You seem like you need some financial advice

Thanks.
I really can't wait a few months though.
Would it be worthwhile trying for another 1 now and "adjusting" my salary like you said?

magough davie Brydo

If I were you, I'd pay the minimum for a few months then try another card with 0% transfer (no fee).

How can they check your income?. If they ask for proof (they won't usually) then obviously you can't give it so drop out the application and you're no worse off than before.

Failing that try Citizen Advice

Can anyone advise me on this please?

Thanks.
Did i read somewhere that i shouldn't apply anywhere again straight away after being denied?
Also don't they somehow check your income or ask for proof?
I desperately need to get the £3000 transferred from my Tesco card before the 0% runs out in February.

whats the difference between 9.5/10 or pre approved?

the mbna one looks quite good as well 0% for 39 months
Then 20.9%
2.98% fee

This is my scenario. I have a card with 3.5k on it. Applied to this offer and they have said that my limit will be around 1.5k. What options do I have? Can I try and get another card at 2k or will Halifax up the limit on request?

would I be rejected if I tried to transfer £12k of debt?

Note the words 'my accounts' that's 3 accounts that give £5 reward per month each...money moves between accounts and the DDs are to charities (which I support regardless)

Overstate your income.
If you've been declined then your credit score will probably go down.
Try other deals - AA, Nationwide, post office. http://www.uswitch.com/credit-cards/ppc/credit-card-balance-transfers/

Don't forget Quidco

Confused.
I did their "soft search" and got 9/10, then applied for the credit card and got denied!
Any help please?
My Tesco 0% finishes in about a month and i have £3000 on it so really need to transfer the balance somewhere :disappointed:

Thanks Chanchi for all the deals posted the past year, appreciate the efforts, cheers

Happy New Year everyone! :smiley:

Which bank account gives you £15 a month (net of fees)???

Post office do one for 27 months.

http://www.postoffice.co.uk/credit-card

Tesco deal is coming to an end. Perfect, thanks!

Leave ... loyalty does not pay .. then go back in 6 months and stick 2 fingers at them when you get a good deal

I am a card tart .. The card issuers only want new business........... when will people learn!

Tell me about it - I have to move £18k over this month and I haven't got the available credit to do it. MBNA life of balance looks good but how to use it????

In regards to payment do u have to go into a branch to make monthly payments or can make quick scan barcode payments like u can with Barclays?

​Can't be done from the clarity card to the all in one card but it can be transferred between any other card with any other UK bank.

​It's only a 13 mths balance transfer on the clarity card but if you have held it for more than 3 months (and depending on your credit rating) you can have a second card (ie an all in one). you will get a second credit limit on the new card and then when the card arrives you can lower the limit on your clarity card and up it on the new card. The balance transfer offer is valid for the first 90 days of opening the card so you can wait a week for the card to turn up before asking for the balance transfer to be done. A second card can only be done in branch and not online though so if you wait until Monday the offer is changing to 30 mths 0%.

​Did you try it online or in branch? It often declines online if you don't have an account with Halifax but if you go into the branch they can usually get the application through.

​Go into branch on Monday and they will be able to do 30 months.

​Nope. Balance transfer only, not cash transfer. If you have an existing credit card ring the number on the back of the card and ask if they have cash transfer offers available because although hardly any of the banks advertise cash transfers, they do them at central level. Also try places like barclaycard and tesco bank for cash transfers and just a little tip, cash transfers can't be done for debt consolidation (ie paying off an overdraft) so if they ask say it's because you need to do home improvements or get your car through the mot. hope this helps.

I would leave my Aqua but not use it anymore. The transfer won't close it. You could also transfer more to Aqua and get a free loan (assuming you can do multiple transfers with the new card). Aqua have screwed you for interest so get your own back
You are a good credit risk.

Yeah, most people only transfer their balance. Transfer more and get an interest free loan on your old card. Just pay minimum monthly on new card (don't make any purchases on new card as you'll have to pay interest on that). After 22 months rinse and repeat.

I've thousands on credit cards at 0% interest, It seems the more you owe, the higher credit limit they'll give you (assuming you pay minimum every month by direct debit).

Aqua I'm 39.9% yeah (new sign ups its now 49.9%), it was £1,200 i'm down to around £280 left now I always pay it each month DD and normally £30 above min payment. I've done a transfer and been approved went for £3,000 as my requested limit (got £7,500 at Aqua don't need all that!) for this deal to arrive in the post. do I close my Aqua down myself or does the balance transfer do that on my behalf? Thanks, @adwils.

You are paying 39%?. What's your balance or do you manage to pay it off each month?. Either way do a transfer. You can overstate your earnings - they can't check. It'll just depend on your rating how much credit you'll get.

It's not a problem just a comment...they give me £15 a month from my accounts for paying in money that I then filter into other bank accounts for 4 and 5% interest....as do lots of HUKD users...received some great advice from this forum..thanks everyone.

I think it just asks you for the expiry date and 16 digit number from the card/account you want to transfer to. So that might work with a bank account debit card. I don't know. But...you could just do a balance transfer to another credit card you already have which has a zero balance. All that happens is the new card transfers a credit to the old credit card. It doesn't care what the actual balance is on that old card. Then you could just ask that old credit card co to transfer your credit to your current account.

Think you have the "Balance Transfer and Purchase Offer (4)" not the "0% Balance Transfer Offer (5)" - they seem to have 8 Offers for cards

So I could transfer from Aqua (39%) to this and not get any interest for 23 months? I dunno how this works, MSM says "You've been pre-approved" and others say 9/10 chance of approval. I only went with Aqua from no credit rating and built it up over time so I can get phone contract in own mine (which I did fine now).

Nowt to do with how many you have, it's to do with how much credit (debt) you have and your alleged income plus which ever agency they use and how much they want your business. That said, don't apply for another card for many months now as your score will go down and down.

That's your problem. Why be Loyal? Cancel account and startup a new one. Same with Sky - re tv.

Thanks. Asked for a 5k limit and got it. Cheers OP.

thanks

Just realized i got nothing to transfer WTF did i apply for, but has 6mths % purchases thou.

This is good deal just Done 38mths halifax and on quidco with 20 pounds got offered 10k limit lets get spending lol

Wow, this could be just what i'm looking for. Heat added.
i have a Tesco credit card and the 0% runs out at end of Jan.
I've never transferred a balance before so know nothing about it.
I've got just under £3000 owing on it.
Am i right in thinking if i apply for this deal and get accepted that i can just transfer the whole balance to the new card and it won't cost me anything?
And i'll have 23 months at 0% to pay it off?
Also, is it straight forward to do a balance transfer?
Any tips greatly appreciated.

Been with Halifax 20+ years.....got a credit card with them just paided the balance off to nil which was on a 0% deal.. Been offered 0% for 24 months with 3% fee. got nothing to transfer though !

Was accepted but email says my transfer period is 13 months - not 23 months??

Great deal, just applied, balance transferred......<3

Thanks

The application asks you what credit limit you want. In my case I asked for £5 and got accepted with a credit limit of £1900. However, when I checked the T&C's the balance transfer fee is 0.8% in the first 90 days. SO not everyone will get the 0% fee

Already have a Halifax CC I wonder if I could apply for another and then transfer to this card, as it would be the cheaper option for me? Would they let me do this you reckon?

For me the credit limit was 10% of my annual earnings

You could transfer more than your balance, giving you an interest free loan on your existing credit card

Was declined for me unfortunately even I am a Halifax customer for more than 6 years (I believe because I have already 5 active credit cards), but great for those who could grab it, heat.

Anyone know what the credit limit is likely to be?

thanks op. Heat added.

i appreciate your post OP. Because of you guys hukd is the place where people truly save money

Alternative option(?) Halifax 0% for 38 Months Balance Transfer (2.75% Fee)

Balance Transfer offer - exclusively available online only

Credit available subject to status, to UK residents aged 18 or over. You can transfer balances to us (£100 minimum) from most credit cards and some store cards, excluding other Halifax products. All promotional rates apply from the date we open your account. You must pay at least the minimum payment by the due date each month and stay within your credit limit to keep promotional rates.

0% for up to 38 months from account opening on balance transfers made in the first 90 days.
Minimum £100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 38 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 38 months and a rate of 21.9% APR (variable), or 0% on balance transfers for the first 19 months and a rate of either 25.9% APR (variable) or 27.9% APR (variable).
2.75% effective fee applies on each balance transfer made in the first 90 days.
An initial 3% fee applies; we'll then refund 0.25% within 90 days, so the effective fee is 2.75%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer.

0% for 6 months from account opening on purchases.

WOowwwwwwwwwwwwwwwwwwwwwwwwwww Chanchi32 thanks you sooo much this is great my 0% was about to run out so this is great, I already had a Halifax Clarity which is to me the best credit card (£5 a month reward and no fee for foreign usage) out there so no way I was going to cancel to get this, but I applied and I can have both so great news although only got 13 months, but I am sure you can find us another deal next Xmas :-)

Heat added

Is this one of those cards were quidco / tcb only payout if you actually use / transfer a minimum amount on the card ?

Good deal. Happy New year

Been with them for over 35 years and they say I can have a second card but only offered 13 months

Interesting, my application was declined, although not sure why based on earnings. Oh well, good deal for those who can get it.

so if I transfer a credit card balance to this card I pay £0 for tthe transfer and also 0% APR for 23 months?

i have applied.. then i'm off shopping.. lol

Chanchi

mickey approves, heat added chichi :smile:

Heat added, and have a fantastic new year :smile:

Great deal Chanchi, and all of your 2015 deals!
Happy new year to all :smiley:

Heat added :smiley:


Happy New Year Chachi..
You have robbed most of my money in 2015 with your deals :wink:

i'm looking for a way (if possible) to balance transfer to a bank account. Can I do it with this card?

Halifax Offer
Halifax link - 0% for 23 months Balance Transfer with no fee

Cashback
Halifax £20 Quidco link
Halifax £20 TCB link
Terms state that to receive cashback customers must use their cards within the first three months of activation. No mention of a minimum spend though.

Checking your eligibility
If you have any doubts around being accepted, checkout the Moneysupermarket tool which gives likelihood of acceptance with no impact on credit rating
Moneysupermarket eligibility checker link

Alternative fee free Balance transfer cards
- AA 0% balance transfer for 22 months (no fee)
- Tesco 0% balance transfer for 21 months (no fee)