New 0% Balance Transfer Now

MasterG83

Morning lovely people. I have two 0% cards both ending in and around spring next year.

Santander £1500 balance 0%
Sainsburys £2600 balance 0%

I'm getting a little edgy, I have looked at the soft search cards and I am still eligible for some decent deals to balance transfer again.

My thought is to get one of these new cards early, overthinking but considering issues with no deal Brexit etc, also peace of mind, get a 20 month card now and switch it. Then refocus to overpay the lot in 20 months.

[Deleted User]

It's up to you.

There's no particular need to hurry, but if you think your personal circumstances will deteriorate, it may be an idea to apply now.

However, your balances are quite low. Do you actually need to BT? Will you struggle to clear the debt over the next 6 months or so.

MasterG83

At the moment I dont have the funds to clear them, I work commission only in the motor trade, could earn £1000 one month and £5000 the next but at the moment its been low for 6 months due to WLTP and the market.Quarter 4 is already looking like and improvement.

Ive gone from earning £55k last year to probably £40k this year.

I still pay £490 a month child maintenance agreed with my ex until August next year, but to clear the balance would need over £500 a month from now until May.