polly_wolly
Registered User
- Messages
- 13
Eh? How did you manage to do that? Breach your credit limit?i am currently with AIB, and owe €5,500 on a €4,800 limit.
There are also low or 0% balance transfer offers from some card providers that may suit you. However check the terms & conditions as some of them may require that you stop making any transactions on the card in order to fully avail of the low/no credit period.i am struggling to get this balance down, so am wondering would changing card to maybe a bank of scotland card, where i have 6 month interest free and then a lower interest rate(9.6% i think, compared to AIB 16%).
Yes - this is possible. Whether or not another card provider will accept you is another thing.what do i have to do to change card, are there penalties incurred and is it as simple as contacting bank of scotland and applying for a card??? would they take over the existing balance on my current card
i am currently with AIB, and owe €5,500 on a €4,800 limit. i am struggling to get this balance down, so am wondering would changing card to maybe a bank of scotland card, where i have 6 month interest free and then a lower interest rate(9.6% i think, compared to AIB 16%). what do i have to do to change card, are there penalties incurred and is it as simple as contacting bank of scotland and applying for a card??? would they take over the existing balance on my current card
So what's the problem? Just write the letter and be done with it...I have to send a letter to the credit card department to request the letter.
I was wondering if anyone else has gone through this. I'm worried that Ulster Bank will delay and Halifax will then charge me the €30 stamp duty.
AFAIK if Halifax do charge you the €30, they will refund it.
On a side note, I've just realised today that the Halifax CC Online banking is a joke. You get to see your balance from the previous month and nothing else.
Don't think they have any plans to change it either- daft!!!
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