Balance Transfer cards

*Louise*

I started off with £3000 on a Monument CC (approx 19% interest I think)

Applied for a Mint Card, 0% for 9 months
Only got £2050 limit, so transferred what I could onto that card.

paid £200 to Monument and am now left with (approx) £750 on it.
Also have a Capital one card with £550 on it.

My problem is - I want to move away from Monument altogether, but am not sure what card is best. I am trying to decide whether to go for a second best rate for balance transfer, or get one which has a low purchases and use it for spending (but pay off the balance) but don't know how this would work having a Balance Transfer on it......or should I get a different card and transfer both remaining cards onto it.........

Opinions please???

magentadreamer

Are you able to do a BT to your CAP One card to ditch Monument? Or is the apr as high on the Cap One as it is for Monument.

The problem with purchase and BT cards in one is sometimes the purchase offer runs out before the BT offer and vice versa so you could end up paying high interest on one bit of the card. I'd personally stick to having a BT only card or a purchase only card just incase you got stung for interest.