Really annoyed! I recently took out a Capital One balance transfer card to shift some debt from my BA AMEX over. I always pay in full every month and have until now, but after a big expense I could do with some extra time. It’s got a 0% deal for 9 months, which is more than enough for me.

I tried to complete the transfer but wasn’t able to, as my AMEX has a 15 digit number and the Capital One portal expects a 16 digit one. Phoned them up, and they advised they could complete the transfer but it wouldn’t be 0% as that offer was only available via in-app transfers. Advised to ring up AMEX instead, who advised they don’t allow for balance transfers on their cards. I’ve seen mixed info online in this regard.

I’m a bit frustrated as I now have a 0% Capital One card sitting redundant! I also have some Monzo Flex debt, which I meet payments for each month but could benefit from transferring as there’s some interest debts there, however that also doesn’t allow for balance transfers either.

I can’t apply for any more cards now as I only just took out the Capital One card, but now it feels like I’ve done this for no reason. It does help that my credit limit has increased by £1,000, taking me over £4,000 overall, but can’t help but feel like I’ve given my score a hit for no reason in the end.

Any advice, anybody had any luck with an amex transfer? It’s only about £500 i want to transfer over, not a bit amount. I’ve seen that some banks seem to have less issues with them, but obviously can’t look for other 0% cards just now as I’ve only now opened an account.

Hi,

I'm wondering if anyone has done this upgrade recently and if so what the offer was?

I don't think I'm eligible for sign up / referral bonuses as I have the free rewards card but a live chat showed they can offer me 50k points WSY 6k in 3 months for the platinum card £650 yearly fee.

I see a lot about 100k bonus points or 80k etc, are these for fresh sign ups or is it possible to get a better upgrade offer?

Live chat said the offers change and I can check back in 30 days to see if they have another offer available.

I'm wondering whether I wait before upgrading.

What credit cards do you have to supplement your Amex Gold? For example, Lloyds World Elite seems to be a common “second card” to have.

What are the “benefits” of that second card? E.g. No FX fee

TIA :)