Balance Transfer Cards

slightlyslumped

Does anyone know of a Credit Card that IS NOT offering a 0% balance transfer promotion at the moment?

Basically to consolidate some debts using equity from my mortgage I need to transfer a card (that I'm not paying interest on) to a different card (that I would be paying interest on) to include it in the application for the mortgage equity (FCA rules, no cards with 0% interest can be included).

Every card I look into is offering 0% interest and at the moment I need the opposite. Anyone seen any they would highlight?

[Deleted User]

Just about all of your sub prime cards and most of the major lenders will have one or more cards with no BTs.

slightlyslumped

yeah found one, can a moderator close this thread please?

JimmyTheWig

I know you've found one, but just wanted to add that you want to avoid a Balance Transfer fee if at all possible. So you might want to look at the Lloyds card with 6.4% life-of-balance rate and no fee.
http://www.moneysavingexpert.com/credit-cards/balance-transfer-credit-cards#longterm
Unfortunately while Topcashback are giving £21 for a Lloyds credit card, this one doesn't seem to be on the list.

[Presumably you know that moving debt from a credit card to a mortgage is generally a bad thing to do. If I were you I'd post more details on here (Debt-free-wannabe forum would probably be best) and see if anyone can help without you having to go down this route...

Ben8282

Why not just wait until your existing 0% deal expires and then once you are paying interest on the balance do your consolidation then?

JimmyTheWig

I presume that they can't afford the minimum repayments, Ben.