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Discuss the 'Which balance transfer card is cheapest?' tool
23-03-2011, 9:10 AM
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Editorial Assistant
MoneySaving Stalwart 
Join Date: Mar 2009
Posts: 248
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Discuss the 'Which balance transfer card is cheapest?' tool
Hi folks,
This is the discussion thread for the MSE 'Which balance transfer card is cheapest?' tool.
Please feedback on the tool in here or just discuss it between yourselves!
Thanks,
Alana
Last edited by MSE Alana; 23-03-2011 at 9:12 AM.
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23-03-2011, 9:40 AM
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Web Editor
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Join Date: Dec 2004
Posts: 1,572
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Hi folks, it would be great to hear what you think of this - should hopefully help with working out the cheapest card now that the 0% deals have gone huge!
Dan
MSE Web Editor, mainly responsible for looking after, and keeping up-to-date, �hard-core� financial articles such as credit cards, savings and loans.
If you spot a rate change that we haven't already mentioned or added into articles or tips, Please send me a PM about it
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19-09-2011, 9:27 PM
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MoneySaving Newbie
Join Date: May 2007
Posts: 3
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This tool is useful for people who use one 0% card then leave the debt there.
For me, I've got a debt on a 0% card which is coming to the end, and I'm looking to move it to another 0% card. When that finishes, I'll look to move it again. So typical APRs don't matter to me (much).
I'm more interested in how long the 0% lasts, how much I'll be charged up front, and how much I have to repay pm.
Your 'best' 0% card, Barclaycard Platinum, has a minimum repayment of 2.25% of balance pm. Yes, it'll pay off quicker than my current 1% of balance card, but I simply can't afford it (on �3k, that's �37.50pm which I don't have).
I suppose what I want is %fee/months, somehow taking into account the minimum payment.
Oh, and my current card doesn't allow fixed repayments, only minimum or total. Do these cards?
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