0% Deals on balance transfer help.

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Hi all,
I am thinking of applying for the Lloyds credit card that has 24 months balance transfer at 1.5% fee. Now my current credit card on spending only ends in January; leaving a three month gap.
How can I find out when the offer from Lloyds credit card will be taken off their site? Is it worth just applying now and transferring it over? I would ideally like to wait until January but the offer could be removed and I don't know if this will happen or not
Thanks
2012 wins, £200, 2 x Alicia keys tickets, a t' shirt and a pencil case.
2013 wins. A cupcake maker £20:j Ambre Solaire kids suncream (£9.99)
June win: Family stay at Legoland Windsor (over £1000 worth):j:j:j:j:j:j

Comments

  • [Deleted User]
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    How can I find out when the offer from Lloyds credit card will be taken off their site?

    You can't. You need to decide whether the gamble of waiting is worth it. Personally, for the sake of 3 months, I wouldn't wait.
  • jonnyspendthrift
    Options
    You can't. You need to decide whether the gamble of waiting is worth it. Personally, for the sake of 3 months, I wouldn't wait.

    Thanks for that, I think I will take your advice :T
    2012 wins, £200, 2 x Alicia keys tickets, a t' shirt and a pencil case.
    2013 wins. A cupcake maker £20:j Ambre Solaire kids suncream (£9.99)
    June win: Family stay at Legoland Windsor (over £1000 worth):j:j:j:j:j:j
  • MisterMotivated
    Options
    Is the balance of your current card from purchases or a previous balance transfer? If purchases, you're not really losing anything now - only 2 years down the line if you decide to transfer again. In that case, I'd do it now.

    If it's from a previous BT, you might want to hold off for a bit since you've already paid for those 3 months. There seem to be a few long 0% deals at the moment, so you could always keep an eye on them and transfer if it looks like things are starting to change...
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