Balance Transfers and a Crystal ball

Soundgirlrocks

So plodding along on the DFW journey, I've always been quike lucky ? (may be not!) to have had 0% balance transfers available to me and whilst cheap credit hasn't in the past encouraged me to be debt free neither have I been crippled by high rates. Current debt is £13k and reducing reasonably quickly (perhaps not as quickly as I'd like but down from £23k) I'm not due to make any significant shifts on the balances until March 2023 when the 0% deals run out. One of my cards is currently offering 4.9% pa on transfers for 48months and with all the turbulance I'm tempted to shift and secure that rate. I'd be paying more that sticking with 0% deals but I'm nervous these will disappear soon. What are other peoples thoughts about rates? Is anybody else looking at locking in at higher rate incase all the deals disappear?  

I realise this might be better on the credit card board but I figured more DFW will be balance transferring!

Soundgirlrocks

And now I'm thinking about it I'm being silly, there are long 0% deals available with other providers so I should probably look at that before shifting between cards I already have. Sometimes you just need to write stuff down! 

24months should see me clear the debt (hopefully sooner but plan for worst) 

fatbelly

I don't have a crystal ball but I think 0% deals will continue to be available as a means of hooking on new customers, though the fee may increase and the duration may shorten.

A 4-year 5% deal would only make sense if nothing else was available to move off a standard interest rate.