MBNA again, please advise me what to do

mountainofdebt

But what about the 24.9% rate????

ti1980

The 24.9% rate stays too unfortunately.

I could BT from my Barclaycard, but I wanted to clear the balance off it 1st which would take me 2 months to do.

The 4.9% is for 6 months, in which time I should be able to pay off the balance so in theory the 24.9% rate won't matter.

Am I better off transferring a balance from my Barclaycard to MBNA before my Barclaycard statement is generated or just after it?

mountainofdebt

If you were going to transfer to MBNA then I would be tempted to do it before the Barclaycard statement is generated so that you don't pay interest off your Barclaycard balance.

However I would strongly recommend that you initially transfer as much as you can from MBNA to Barclays and then transfer as much as you can back to MBNA to get the full advantage of the offer whilst reducing the amount attracting interest at 24.9%.