Balance transfer cards are a great way to reduce the amount of interest you pay on your credit card debt,cheap jordans. So if you blew the budget over Christmas and want to consolidate your debts...sh your interest payments, consider switching to an interest-free card with a repayment timeframe that suits you.
Finding the right card
Cards that offer the longest 0 per cent introductory periods tend to have relatively high balance transfer fees, typically around 2-3 per cent of the amount you are moving across.
If you know you’re not going to be able to pay off your balance any time soon, your best bet is likely to be a credit card which offers you as long as possible to clear your debts interest-free,Kicksokok.com, even if it charges a balance transfer fee.
If, however, you know you’ll be able to pay off your balance relatively quickly,http://www.yxssy.net/guestbook.aspcheapjordanshoesfreeshipping.com/bolg,cheap wholesale jordans, a card with no fee and a shorter 0 per cent introductory period will usually prove more cost-effective.
The best balance transfer credit cards
Here are five competitive balance transfer cards currently available,cheap jordans for sale,http://sqjy.zgrtvu.com/wygkcn_GuestBook.aspcheapjordanshoesfreeshipping.com/bolg.
Barclaycard?Platinum 38 month Balance Transfer
When you transfer debt to this card, Barclaycard will charge a 3.5 per cent fee but will credit the difference back within two working days, leaving an effective fee of 1.4 per cent. You must transfer your debt within 60 days to qualify for the interest-free period, but you can’t transfer a balance from another Barclaycard. You may be offered fewer than 38 interest-free months depending on your credit score.
MBNA?Platinum Credit Card
The MBNA card comes with a slightly higher transfer fee than Barclaycard offers, and a higher interest rate after the interest-free period finishes. You must transfer your balance to the card within 60 days to qualify for the interest-free period. Again, you may be offered fewer than 38 interest-free months depending on your credit score.
Sainsbury’s Bank 36 mo...ance Transfer Credit Card
While the Sainsbury’s card offers a shorter interest-free period, all applicants who qualify for the deal get the full 36 months, so this could be a better option for some. You’ll need a Nectar card to apply, but these are free if you don’t already have one. You will be charged a 2.89 per cent fee for any balances you transfer to the card after the first three months.
Halifax No fee 0% Balance Transfer?
You must transfer your debt within 90 days to qualify for the fee-free transfer,http://www.tocandoecantando.pmmc.com.br/index.php/en/forum/newtopic.htmlcheapjordanshoesfreeshipping.com/bolg,cheap authentic jordans, after which it goes up to 3 per cent. You can’t transfer a balance from another Halifax card, but you can from other Lloyds brands such as Bank of Scotland. You may be offered fewer than 29 interest-free months depending on your credit score.
TSB Platinum 28 month Balance Transfer Card
You will be charged a 0.5 per cent fee to transfer balances to this card,jordan shoes, but this will be refunded for transfers made within 30 days. You may be offered fewer than 28 interest-free months depending on your credit score.
The traps to watch
No matter which card you choose, remember to always make the minimum monthly payment or you could lose your interest-free period.
Also, don’t spend on these cards or use them to make cash withdrawals – it will cost you more to do so and could affect your credit score.
To compare credit cards across the market,cheap retro jordans, Telegraph Credit Cards Comparison can help you.
Leicester City winger Demarai Gray has been cleared of diving to win the penalty that t... to extra time on Tuesday.
A three-man advisory panel assessed footage of the incident in which Gray was tackled by Kyle Walker in the fifth minute of time added on at the end of the regulation 90 and could not come to the necessary unanimous verdict required for the player to face a charge of “successful deception of a match official”.
The decision by referee Bobby Madley to award a penalty caused uproar among the Manchester City fans. He also sent off Walker earlier in the season against Everton. However,cheap jordans free shipping, the three-man panel made up of a former referee, player and manager did not all agree that Gray had dived to win the penalty and there will be no Football Association sanction against the 21-year-old meaning he will be available to face Manchester United on Saturday.
Earlier in the week, Manuel Lanzini was giv...st Stoke City on Saturday. Oumar Niasse was the first P...with successful deception for his dive against Crystal Palace in November.