Stoozing

I have no real use for BTs these days; no debt and savings interest rates are too low to be worth the effort. no doubt re. Savings rates unless someone wants to play with Current Accounts and RegSavers rather than repaying card debt, but it's hardly going to be worth it even then. fwiw i would rath...

yes, understood re. the application process.

i was looking at the Balance Transfer card. you are right, i can see that the advance is 32m too, but the fee drops from 1.4% to 0.6%. my HSBC account is Premier, and the Premier Credit Card only has 9m on Purchases.

haha yes, i wasn't concentrating enough on your previous post.

why not just use it for a BT? i've had relatively tight CLs with HSBC and very tight CLs with Nationwide - along with hopeless cs. good idea though: will try to get one or two zero fee BTs on board when i move my MBNA limit over. yes, have a Barclaycard: Amex, Barclaycard and MBNA are my only cards ...

yes, i was in a B branch earlier this week, and i wondered whether Clydesdale, Yorkshire and B might all be on the way out. Virgin certainly has brand awareness, and yes, incentives are always welcome

good news.. i am potentially applying for the HSBC card soon so i think i'll avoid another app.

i just tried to claim re. Aqua, but it's beyond 9wks now

good luck to those of you who qualify.. withdrawal of the 'gift' would seem very harsh.

£11/m is handy Sarah. i would look at rolling that into a small investment plan, with a little pot building up foc.

they're a shower.. good luck with resolving it Sarah.
all you can do is try to extract as much as possible from them in the process.

it's a good deal Sarah. 32m for 1.4% is good, and the cb is a nice sweetener. i have a BT coming up too. only problem is that i tend to find HSBC being tight with CLS: £4/5/10k when i would need £20k.