need a 0 percent card

The_Boss

MARKBLACK wrote: »

So what does that add up to if I was to BT £1000.
I'm really not good at working these things out

MB

Are you sure a credit card is a good idea?

chattychappy

Gromitt wrote: »

Or make the mistake of putting purchases onto the balance transfer card. The amount of people on here who have fallen for that is unbelievable, but I guess they just don't understand the T&Cs.

Sometimes it makes sense, particularly if you make purchases up to the value of your minimum payment just before your statement date and pay off just after. Next to no interest in return for which you maintain your 0% balance at its original level for the entire term instead of it declining. The "cashflow saved" can then be applied to debt elsewhere. So it really comes down to what else is going on with your other CCs. If you are not paying interest for credit anywhere, then best not to mix the balances as you say and put the purchases onto a card you pay off in full.