|
Existing Customer Balance Transfer Offers |
Return to the Credit Card Shuffle article
As the credit card market is competitive and providers want to retain their customers, customer service teams often have substantial power to authorise deals to keep you.
Check this list for possible existing customer deals from your credit card provider. Whilst these offers are not guaranteed for everyone, and they may change over time, you can get an idea of the type of deals on offer.
BT offers for Existing Customers
Card |
Standard Rate |
Existing Customer Offer |
Will it charge you a fee for balance transfers? |
Will it usually do a credit check before granting the deal? |
| A&L | 15.9% | Official Response: individual offers
depending on customer circumstances MoneySavers Experiences: c. 0% for 6 months |
Yes, varies depending on t&cs | No |
| Abbey | 15.9% | Official Response: individual offers
depending on customer circumstances MoneySavers Experiences: c. 0% for 6 months |
Yes, varies depending on t&cs | No |
| Amex | 14.9% -16.9% | Official Response: individual offers
depending on payment history MoneySavers Experiences: no detailed info | Yes, 3% | Depends on offer |
| Bank of Scotland | 9.9% - 16.9% | Official Response: individual offers
depending on conduct of account MoneySavers Experiences: 5.94% life of balance or low % deals e.g. 2.9% for 6 months | Yes, 3% | No, if in current credit limit |
| Barclaycard | 14.9% | Official Response: standard offer of 6.9% for life of balance more info | No | No |
| Capital One | 15.9% | Official Response: no promotion rate,
would need to apply for a different card MoneySavers Experiences: n/a | Depends on new card | Yes |
| Egg* | 16.9% | Official Response: standard offer of 0% for 5 months in may 2009 and may 2010 more info | Yes, 2.5% | No |
| First Direct | 16.9% - 17.9% | Official Response: sometimes have offers so ring to check MoneySavers Experiences: no detailed info | Yes, 2.9% | Depends on info held about you |
| Halifax | 9.9% - 16.9% | Official Response: individual offers depending on conduct of account MoneySavers Experiences: 5.94% life of balance or low % deals e.g. 2.9% for 6 months | Yes, 3% | No, if in current credit limit |
| HSBC* | 15.9% | Official Response: individual offers depending on customer circumstances MoneySavers Experiences: no detailed info | Yes | No |
| IF | 8.9% | Official Response: no promotion rate Note from Martin: while there's no promotional rate, at 8.9% standard rate this is one of the cheapest on the market and it should allow you to shift other debts to it at this level | No | No |
| Marks & Spencer | 17.9% - 19.9% | Official Response: Offers available if been customer for over 3 months, e.g. 0% for 6 months | No | No |
| MBNA* | 15.9% - 17.9% | Official Response: individual offers depending on customer circumstances MoneySavers Experiences: c. 0% for 6 months | Yes, varies depending on t&cs | No |
| Mint | 14.9% | Official Response: individual offers for example 1.9% for 6 months MoneySavers Experiences: no detailed info | No | No |
| Morgan Stanley | 15.9% - 16.9% | Official Response: offering 0% or 5.9% for 5 months MoneySavers Experiences: as above | 2.5% , min £3 | Yes |
| Nationwide | 15.9% - 17.9% | Official Response: no promotion rate MoneySavers Experiences: n/a | No | No |
| Natwest* | 13.9% | Official Response: individual offers for example 1.9% for 6 months MoneySavers Experiences: no detailed info | No | No |
| RBS* | 13.9% | Official Response: individual offers for example 1.9% for 6 months MoneySavers Experiences: no detailed info | No | No |
| Tesco | 14.9% - 16.9% | Official Response: offers change so phone for info, can also depend on customer circumstances MoneySavers Experiences: no detailed info | Depends on deal taken | No |
| Virgin* | 15.9% | Official Response: individual offers depending on customer circumstances MoneySavers Experiences: c. 0% for 6 months | Yes, varies depending on t&cs | No |
| YBS | 11.6% - 15.4% | Official Response: no promotion rate MoneySavers Experiences: n/a | No | No |
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