SVM 286
Member
Registered: 13th Feb 05
Location: pain
User status: Offline
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Afternoon all. I have two HSBC credit cards with sizeable balances on them that i'd like to transfer to a single card from a different provider.
Have any of you folks had any good experiences or know anyone who's had a good experience lately with a balance transfer?
The last time I checked a few weeks back, Virgin and I think either Abbey or Barclays were doing the best deal as far as 0% interest promotions etc.
Any advice including any usefull sites like moneysupermarket would be greatfully received.
Thanks in advance. 
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John
Member
Registered: 30th Jun 03
User status: Offline
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I have a Virgin one and an Abbey one, Virgin is 16 months interest free, I've never had any problems with them, the card has never even been activated though.
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SVM 286
Member
Registered: 13th Feb 05
Location: pain
User status: Offline
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Thanks John.
I was under the impression that the Virgin one would be the most appropriate.
Just hope my credit rating is good enough.
That was going to be my other question.
Are there any free, honest and reliable personal credit rating sources on line that any CS users have heard of and/or used?
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AndyKent
Member
Registered: 3rd Sep 05
User status: Offline
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Experian, 30 day free trial if I remember right. Not used them, but see it recommended all the time.
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SVM 286
Member
Registered: 13th Feb 05
Location: pain
User status: Offline
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 Cheers Andy
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SVM 286
Member
Registered: 13th Feb 05
Location: pain
User status: Offline
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Does anyone actually know what one's rating would need to be in order to get a transfer? 
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Conway563
Member
Registered: 7th Jun 06
Location: Yate, Bristol
User status: Offline
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IIRC the free experian trial only gives you your credit history as opposed to your actual score
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liamC
Member
Registered: 28th Feb 04
User status: Offline
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Credit cards are evil
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SVM 286
Member
Registered: 13th Feb 05
Location: pain
User status: Offline
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Tell me about it. 
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SVM 286
Member
Registered: 13th Feb 05
Location: pain
User status: Offline
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quote:
Originally posted by Conway563
IIRC the free experian trial only gives you your credit history as opposed to your actual score
Ah, bugger.
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Conway563
Member
Registered: 7th Jun 06
Location: Yate, Bristol
User status: Offline
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Will still tell you any missed payments/defaults you might have so gives you a good idea
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Mase
Premium Member
Registered: 16th Sep 01
Location: Derbyshire
User status: Offline
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But make sure you cancel before the 30 days is up or you will be charged £6.99 a month I think it is...
Mase
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SVM 286
Member
Registered: 13th Feb 05
Location: pain
User status: Offline
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Thanks for the heads-up Mase. I actually wouldn't have assumed that. I'd have thought it would just run out. Cheers
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Twiggy
Member
Registered: 15th Oct 04
User status: Offline
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Virgin card FTW
Just dont close em ya bastids!
[Edited on 30-09-2009 by Twiggy]
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Eck
Premium Member
Registered: 17th Apr 06
Location: Lundin Links, Fife
User status: Offline
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quote:
Originally posted by Conway563
IIRC the free experian trial only gives you your credit history as opposed to your actual score
Nah it gives you your score as well mate! There is no real score limit to get one Jim. As long as you have no outstanding arrears (which experian will tell you) then hopefully you'll be ok. It all depends also on your outgoings. Do you have enough spare cash each month to make the payments? The computer doesn't see that you're losing two payments to have one, so make sure you have enough expendable moolah!
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