Balance and 0% APR

Lisa0602

Hi, does anyone know what card is best to have 0% transfer and then 0% APR.

I'm with Vanquis and just can't seem to get my balance any lower, even though I pay the minimum and the interest each month.

Really want to get limit low again and pay it all up.


Thanks all

Lisa

Sharon87

What do you mean by that? Are you looking for a balance transfer at 0% for a period of time with a 0% fee? If so I don't think they exist. There can be low balance transfers with no fee (eg. 6.9% APR) or 0% for x amount of months with a 1.5% or more fee.

Look at this page for some card options and do the eligibility check to see what you are likely to be accepted for before applying for any cards:
http://www.moneysavingexpert.com/credit-cards/balance-transfer-credit-cards

[Deleted User]

Lisa0602 wrote: »

I'm with Vanquis and just can't seem to get my balance any lower, even though I pay the minimum and the interest each month.

Paying the minimum isn't a good strategy for getting your balance down quickly. Can you pay any more?

SnowTiger

Lisa0602 wrote: »

Hi, does anyone know what card is best to have 0% transfer and then 0% APR.

I'm with Vanquis and just can't seem to get my balance any lower, even though I pay the minimum and the interest each month.

Really want to get limit low again and pay it all up.

0% cards are shown just above your message on this page.

I haven't seen any transfer offers that don't come with a fee for a long time. A one-off charge of, perhaps, 2.5% is nothing compared to the APR you're probably paying.

ceredigion

Cards aren't really my thing, but two regular posters have said 0% APR/ 0% Transfer fee can't be done. Knock your heads together in shame.
http://www.moneysavingexpert.com/credit-cards/balance-transfer-credit-cards#nofees

class2ldn

I've just got a halifax balance transfer card with 21 months 0% and 0 fee.
Only one I know of.

Ben8282

Well yes, but what would you estimate the op's chances of getting one were?
Vanquis .... Minimum Payment Each Month .....

class2ldn

Yeah I agree but was just saying that they are available as some others said there isn't any around