When to clear/shift balance

cdbe11

New to this, interest free period ends 6 Mar 2026 - when should I apply for another card if I want to shift the debt? Or if I want to clear the balance is it just a case of making a payment a few days before 6 Match?

Thanks 

Altior

Essentially it's a game of chicken. 

Obviously you'll want to clear the balance before it attracts interest, but on the other hand, you want to max out the deal.

There's no right or wrong answer (as long as it's before the current promo has ended), it will depend on your credit record and the market at the time. 

Do you have the means to clear the liability if needed?

cdbe11

Thanks, yes I can clear it so I think I'll diarise for a month before and see what's around etc. But I can't quite work whether it's better to clear it and get another 0% spending one or pay the BT fee - suppose it depends how quick you can get the new one spent up. 

Altior

cdbe11 said:

Thanks, yes I can clear it so I think I'll diarise for a month before and see what's around etc. But I can't quite work whether it's better to clear it and get another 0% spending one or pay the BT fee - suppose it depends how quick you can get the new one spent up. 

Ideally you want to get a 0% BT card and another 0% purchases card. Depending on the fee for the BT card, duration of deal, and minimum payment percentage. With stoozing, as things progress, you'll tend to build up credit card accounts and get BT (and MT) offers on existing accounts. Then it's quite rare not to have an offer available on any of them at a particular point in time. Periodically running eligibility checks to identify if you have any access to any good new deals on the market.