Transfer £4,000 onto other cards etc

nutmegman

Hi,

All advice is appreciated....


My current 0% deal with Lloyds TSB is comming to an end on 03/11/06. IT has £4,000 on it.

I also have £3,500 on IF at 4.95 LOB ( I still have the option to do further transfers at this rate for another 4 months)

What is the best advice to get these actual debts (not stooze cash) to the lowest interest rates? I dont mind paying a fee x% or something It the best deal I am really looking for.

I would love to ditch these debts

Thanks

Crown

Hi, you may have more response if you try the credit card section of the site. many experts across there.

all_hours

M&S have a card offering 3.9% LOB with no transfer fee. The minimum payment is 3% of the balance.

I think capital one have a card with 0% on BTs until Jan 2008 - this one has a transfer fee.

Have a look at the BT article and decide if tarting around on 0% is best for you or sticking with the LOB cards. There is info on this page for the best current deals.

http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1107182516,76509,

CLAPTON

presumably, by the best deal you mean one that for any given payment schedule will pay the debt off fastest.

so how much can you pay off each month?

nutmegman

CLAPTON wrote:

presumably, by the best deal you mean one that for any given payment schedule will pay the debt off fastest.

so how much can you pay off each month?

Hi, I can hit about £200-£250 per month on these debts, I dont really want to be paying the minimum just as much as i can afford

nutmegman

thanks for your help guys this is a very busy board

tesuhoha

If its any help Ive just taken out a MBNA card which has 0% until October 2007. There is a fee. I BTd approximately 3600 I think it was and have been charged £72. This is worth it to me as its such a long 0% and I couldnt get the Capital One as I already have one. I suppose you just have to look around for the best deal for you.