Stoozing Tips needed

Alex9384

kartingmad said:

Obviously the 1st one is pretty terrible due to the fee.

Well, it's still just a half of the current inflation rate. I consider a one-off fee much better than fixed interest. It's added to your balance right at the beginning and that's it. If nothing else, it's much easier to calculate exactly what the fee will be. With interest on a reducing balance each month it's much more complicated.

12 months is a poor offer though. I have exactly the same offer on both Halifax and Lloyds cards, with nearly the same credit limit.
Last December the offer was 24 months for a 4% fee. That's 2% per year. I'm still regretting I didn't take it.... but I already had almost maxed out Barclaycard and Lloyds CC at the time, and they (Barclays) were starting to get hysterical about it.