balance transfer card — MoneySavingExpert Forum

Jul 18, 2024 · Credit scores are just numbers invented by the credit rating agencies to try to upsell their products, and they're not seen by actual lenders so don't have the significance some …

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Balance Transfer Cards — MoneySavingExpert Forum

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Nov 13, 2021 · These are so that you can transfer an outstanding balance from one credit card to a credit card that will charge you 0% interest for a fixed time period. So if you don't have an …

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Balance Transfer Cards — MoneySavingExpert Forum

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Sep 13, 2023 · Hi, I've got 2 different finance plans one at currys and one with klarna, am I able to get a 0% balance transfer card (I did an eligibility test I can get the M&S one) and pay the …

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Balance Transfer Card — MoneySavingExpert Forum

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Apr 16, 2016 · If I'll be accepted for balance transfer card 0% interest for 30 months and 3% transfer fee that's mean I can transfer my balance to my current account and then just pay …

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Balance Transfer Card — MoneySavingExpert Forum

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Sep 9, 2022 · You'll want to know that you can transfer your balance to a 0% card before you spend the money otherwise you could be stuck paying whatever interest rate your current card …

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Balance Transfer To Wife's Card From Husband's Card?

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1 day ago · My wife has a 0% interest Balance Transfer offer on a credit card in her name. I have a different bank's credit card on which she has a secondary card? As far as I am aware, a BT …

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Balance Transfer — MoneySavingExpert Forum

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Jul 25, 2023 · So you could transfer £4370 and would be paying £3 per month; that presumably represents a significant saving on interest. You could then prioritise clearing the remaining …

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Balance Transfer — MoneySavingExpert Forum

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Feb 8, 2024 · Hi, my daughter has £ 7200 debt from 3 credit cards and has other loans amounting to £6000 which results in about £300 interest monthly. Her credit score is fair but she is only …

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Balance Transfer — MoneySavingExpert Forum

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Oct 20, 2023 · My wife has managed to accumulate £10000 on her M & S bank credit card. She hasn't worked for the last twenty years and is 75 yrs old. First thing how did she get a credit …

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Loyalty Points And Balance Transfers - MoneySavingExpert Forum

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6 days ago · My thought is to hit the spending thresholds to earn these rewards and then transfer the balance to a 0% interest card for some breathing room on repayments. Of course, this all …

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Balance Transfer Fee Question — MoneySavingExpert Forum

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I am looking at doing a Balance transfer as my 0% offer is ending soon in my current card. The one with the longest term states 3.90% introductory transfer fee offer, thereafter 3,% (minimum …

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FAQs about balance transfer card — MoneySavingExpert Forum Coupon?

What is a credit card balance transfer?

A credit card balance transfer allows you to take a high-interest credit card balance (or even multiple balances) and transfer it to a new credit card with a lower interest rate. Some balance transfer cards offer a 0% intro APR for balance transfers for a limited amount of time. ...

Should you use a balance transfer card?

Using a balance transfer card for debt consolidation can be a great option if you want to reduce the overall interest rate you owe and make your debt more manageable. However, balance transfer cards typically come with transfer fees, so comparing the terms carefully before deciding is essential. ...

Are there any balance transfer cards with no annual fee?

Here are five no annual fee balance transfer cards: 0% Intro APR for 21 months on balance transfers from the date of first transfer and 0% Intro APR for 12 months on purchases from the date of account opening. After that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. ...

Do Balance transfer cards have a 0% APR?

Some balance transfer cards offer a 0% intro APR for balance transfers for a limited amount of time. If you transfer balances from multiple credit cards to one balance transfer card, this can streamline your payments into one easier-to-manage payment. While balance transfers can be helpful in the debt-payoff process, they’re not a magic solution. ...

Is there a cap on a balance transfer card?

If there’s no cap on a balance transfer card, then your transfer limit will be your credit limit for that card, minus your balance fee. Some balance transfer cards also charge an annual fee, which may be waived for the first year. An annual fee will cost you that amount every year you keep the card. ...

How do I transfer a credit card balance?

Contact the new credit card company to do the balance transfer The best way to transfer a credit card balance is by contacting the new credit card company with the balance transfer request. You can typically do a balance transfer over the phone or online. ...