MSE News: Balance transfer price war: New 18 months 0% and 36 months 0%

Then, BOOM, Tesco launched the longest no-fee 0% debt shift this decade, at 18mths.

When I went to school 23 months was longer than 18. http://www.santander.co.uk/uk/credit-cards/123-credit-card

Save on interest repayments by transferring your balances from other credit or store cards. You’ll pay 0% interest for 23 months from the date of account opening and there is no balance transfer fee during the introductory period on this card.

Remember to spend on your balance transfer cards when appropriate, because the golden rule that says not to is only an approximation.

The times when you should spend include when you want more balance transfer or to keep the balance transfer amount high (stoozing, say). In these situations you can make purchases up to the monthly minimum payment and you will effectively get a balance transfer of that amount for a fee that is no higher than the interest paid on the purchase from the time it's made to the time the payment clears it. Depending on the length of deal you can also end up with a cheaper balance transfer effective cost by making purchases of up to to or three months worth of minimum payment.

You can then use the money not spent to clear whatever other debt you'd want to balance transfer, or keep your stooze pot as high as possible.

Depending on your circumstances it may be a better idea to apply for a different balance transfer deal instead of doing this, though that would normally mean just the no fee ones because the spending way is so cheap.

Does anyone know if the 18 months is from the account opening date, or from the date you make the balance transfer? Usually it's from the date of the transfer, but I seem to remember having read from account opening somewhere...?