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overpay a BT to virgin cc - surplus to current account?


Just double checking what I think Ive understood from reading other threads....

Ive just been accepted for RBS 22 months @ 0% 7K limit.
Need to do a £2.5 balance transfer to pay off a virgin coming to end of 0%.

If I transfer £6k from the new rbs to virgin, what will happen to the surplus £3.5k? I may need thee cash very soon, so just wondered whether that was an option.

Thanks in advance


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