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Thread: Any advice on CCs...

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    Regular Member macdad's Avatar
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    Default Any advice on CCs...

    No not engine CCs,but credit cards...the deal i have had going for the last year on my cc with 0% interest has come to an end ,now i have to pay 17.9% interest...so thinkin about transfering the ballance which is rounabout a grand,but don't know wether to go life of ballance card or 0% for 15 months..we all know its a minefield but i'm not very good on this sought of thing...like i never got a cc until 2 yrs ago..Cheers in advance.

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    Full Member Big Sig's Avatar
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    The 0% will still have a 2.5% or so fee for transfering the balance over. But I would go 0% for 15 months and change it again after then
    Now I need a turbo to keep up!

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    Regular Member chinky's Avatar
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    depends on how long you think it will take you to pay back because if you switch each year each transfer will incur approx 3% fee yet if you keep to life of balance you will incur just the one fee so if its going to be cleared in 12 months go for 0% if its four years go for life of balance. AND DONT SPEND ON THE NEW CARD YOU WILL GET HAMMERED READ THE SMALL PRINT

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    M8 you've had the balance on your old card for a year? Time to start paying it back.

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    Regular Member macdad's Avatar
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    Quote Originally Posted by Rebellion View Post
    M8 you've had the balance on your old card for a year? Time to start paying it back.
    I have been payin it back... the balance was 3 grand 15 mnths ago.

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    Default

    Even if the interest is zero, you still have to pay at least the monthly min anyway.

    Have you tried gocompare etc?? I think it would be a good idea to do it.

    If you can find a card with 0% for 15 month - tell me. I can't.

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    Regular Member martind511's Avatar
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    Go and have look at http://www.moneysavingexpert.com - lots of useful information and a good forum.

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    Forum Moderator soulman's Avatar
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    i just change my c/c everytime the 0% interest runs out.....think i.m on my 6th ccard now............i use to owe about 7000.....am now down to under the 1000 ............had to live on the credit card for a year when i first moved up here

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    0% on Balance Transfers for 14 Months (2.98% Balance Transfer Fee): http://uk.virginmoney.com/credit-card-v1/

    I'm sure I saw an offer recently with no BT fee as I remember thinking it's amazingly rare these days.

    Motley Fool is a good resource: http://www.fool.co.uk/credit-cards/

    Dave

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    Regular Member Matt's Avatar
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    my mate owes 70k on them tranfers balances all the time.

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