What happens if I have two 'end dates' for balance transfer credit cards?

surreygirl

I transferred credit card debt last year onto my unused MBNA card, using their 4% transfer/ 0% interest offer. The 0% interest offer ends in November this year and although I've reduced the amount by half, £1500 will still be outstanding when I reach the end of the term. I have another card charging me 23% interest, so I want to transfer that balance using a current offer on my MBNA card - this transfer would last until the middle of next year. My question is this - assuming I won't have paid off the November-ending monies by November, and will have another transfer running at 0% interest - could I transfer the 'November remaining' amount  onto a different 0% card and still benefit from my second transfer running at 0%? Not sure how this works. thanks for advice

grumbler

A BT from a crdit card is in fact a pyment to this card from another CC provider. Normally, if you have two balances at the same 0% rate, payments are allocated to the balance with earlier 0% expiry day. In this case yes, your plan will work. Check your CC T&C for allocation of payments to make sure.

ETA: if you wait until the first 0% expires and reverts to the normal rate, then you can be absolutely sure that the payment goes towards the higher interest balance.