Vanquis Credit Card 9.9% balance transfer

Chorlton1974

Hi, i have 4 cards on the go at the moment.

I started with a Vanquis card, half of the balance i've managed to get on a balance transfer to HSBC @ 0% for 20 months. I also have 2 capital one cards, one with a balance of £1300 and another with £650. I've always wanted to eventually, probably like anybody else, get away from/clear the Vanquis card. there is approx £1300 left on the vanquis card. I've been sent a text today from vanquis

"are you paying higher interest rates on your other credit card balance?. dont forget your 9.9% balance transfer offer with vanquis (this was the first time i'd heard of this) ends 31/10/17"

is it worth moving over the 2 balances from the capital one cards, as the interest is higher on those than 9.9% or just leave it? the text doesn't say how long the 9.9% offer lasts for either. The HSBC takes care of itself, or am i best moving balance's over to the HSBC as and when i can?

thanks in advance

Shakin_Steve

I seem to remember these BT offers being only for a relatively short period of time, i.e. 3-6 months. I doubt you would save much in interest payments.

[Deleted User]

Find out how long it lasts. It won't be that long and you run the risk of the balance ending up at your standard APR.