12 Months 0% APR expires October - should i apply for another card?

BusinessStudent

Hello all. I have a M&S &more card. I owe approx £1,000 on it and have a limit of £3,500 - however the 0% APR is to expire in October. I will then be charged 9.9% APR (I am a M&S employee so i get a lower apr)

I will be able to get the outstanding balance of £1,000 paid of for September - however i will need to spend £1,100 on a new dell laptop for university.

Is it worth therefore applying for a new credit card that offers 0% apr for 12 months when i go to purchase my laptop or should i stay with the &more card with 9.9% apr.

Thanks

GeorgeUK

I'd suggest getting a new 0% card and if you don't pay it off, you can always transfer it back to the lower m&s rate (if they don't offer you a BT deal after you phone them )

Virgin are currently doing 15 months @ 0%. Just remember they only allow you to BT about 90%-95% of the limit.