Free sex without credit card charges

To spell it out, that means if the balance transfer fee is 3pc and you transfer a grand, you will owe £1,030.

So to minimise the fee, use my table below to pick a card where the 0pc length comfortably gives you enough time to repay in full, but no more. Someone owing £5,000 on a standard 18.9pc card, repaying £200 per month, would take 32 months to clear the card at a cost of £1,270.

Store cards tend to have the highest interest rates.

If you need longer to pay and have a decent credit score, then become a credit card tart.Therefore, you want to transfer your balance to the new card.Your credit card company may be willing to lower your interest rate. Cards with annual fees often have lower interest rates, but do some sums to make sure they're worth it.But the difference between what’s on offer now compared with pre-financial crisis is telling: back then, the record longest 0pc balance transfer was 15 months, now it’s nearly double that.If you’ve got existing debt on credit cards – it’s time to act.

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