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Move PCP to 0% Credit Card?
I have overpaid my PCP as much as I can with the pop company.
£75 a month interest is the minimum I can leave it at with a £9750 balloon due Sept 2029, 9.9% APR. Settlement figure £9850.
I have Lloyds Card £15k limit with an offer of 5.9% No Fee Money Transfer. I am tempted to move 10k to my bank account, pay off PCP and then get a 0% Card and pay off Lloyds ASAP and then just continue paying lump sums to the 0% card. Is this a wise move and what card would you move it too?
I have checked online an I am eligible for 0% balance transfer cards, including many pre approved at HSBC, Tesco Bank, Santander, TSB and Virgin.
Can anyone recommend a company where I can 0% BT and then continue to make purchases using the card and payments are allocated to the purchases first? I want to use it as an everyday credit card too, as I just usually pay off all my bills first and transfer the surplus to my credit card monthly. I am more disciplined that way and my balance clears quicker.
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