Different rates

chattychappy

Agree with the above. (Except there can be situations when it's worth spending on a BT card, but you have to do the maths and plan carefully.)

Think I'd take advantage of the 18 month card now - at least there would be a saving on the LOB balance, particularly if the BT can eat into the other balance too. Then apply for a new card to cover the remainder (if necessary).

Probably need more info from the OP about the balances involved to give more advice.