Transfer to 0% card now, or wait?

kezzygirl

We have three credit cards with 0% interest, which expire end of the year in December, januray and March. Hubby has been offered a santander 0% for 15mth on balance transfers card, with a £3 a month fee. Part of me thinks we should hold off and wait a few months to see if better deals come up such as no fee (as has been the case multiple times, but they seem really sparce lately) but then I don't want to rely on what 'may' happen and then end up paying a bigger fee to transfer. What would you do? 

kempiejon

Presumably the edge card? Santander also do a no fee card. Everyday No fee with 12 month interest free.

I picked up a couple of zero fee zero interest for 12 - 15 months a couple of months ago.
I would not pay £3 per month to have a card but in 6 months time when you really need a card there might be slim pickings.

kezzygirl

kempiejon said:

Presumably the edge card? Santander also do a no fee card. Everyday No fee with 12 month interest free.

I picked up a couple of zero fee zero interest for 12 - 15 months a couple of months ago.
I would not pay £3 per month to have a card but in 6 months time when you really need a card there might be slim pickings.

I've just checked out my eligibility for the  no fee santander card and they have approved it! Just got to decide now whether to go ahead with a full application for the 12mth interest free or to wait, given the first doesn't expire til December. 

Brie

You don't need the card now so why apply?  Give it another 2 - 3 months and try then.

maxximus75

I would wait until later in the year otherwise you’re loosing out on your interest-free period.