Balance transfer to card with a balance on

gglaze

And to answer the other part of your question - yes, sometimes card statements will show you the actual breakdown of your balance per different rates - for example barclaycard is usually good at this. Other card statements might not show you the breakdown at all, but just total interest charged, and leave it to you to keep track. Presumably if you're not sure, you could give them a call and ask them to give it to you exactly. But in general the idea in those cases is to try to keep track of it yourself, with a spreadsheet for example.

As an example, if you have £500 at X% on there already, and then you do a 0% BT for another £3000, then of course your balance at the end of the first month will be £3000 @ 0% and £500(+interest) at X%. Assuming X > 0, your payments will first be applied to the £500(+interest). So lets say your interest was £10, and you make a payment of £110. This will leave you with a total balance of £3400 after payments, which would break down as £3000 @ 0% plus £400 @ X%. Then at the end of that statement period it would become £3000 @ 0% + £400(+interest) @ X%. And so on.

So if you carry on with that until the full £500 (plus all accruing interest) is paid off, you will then start making payments against the £3000 @ 0%.

I dont recall if Virgin ever showed me the breakdown on the statement; I don't know about Natwest.

thenudeone

mbna cards (including Virgin) DO show the balances against each offer separately on the bottom of each statement.