Balence transfer advise, on credit card

[Rhyth]

I need to transfer my cc balence to another card as my 0% interest is up. Does anyone have any suggestions as far as companies and there experiances with them go? I'm currently with egg and found them to be really good, it's just now I have to start paying interest Iv'e done a bit on google but there is soooooo many I thought I'd ask here and get some first hand insight if possable

cheers Rhyth

[Dark Horse]

Have a look on MSE, there is a good section on credit cards there.

I stay away from the evil things so can't offer much first hand advice!

[javalord]

Having worked for one, you need to now research who your applying with. Some offers such as GE's 3% cashback card are hand picked by underwriters, whilst others dont mind credit tarts so much. As mentioned, MoneySavingExpert is a great site for this kind of information.

[Clingy]

I have had a go and got it all wrong!

Best deal I could see (0%, no transfer fee, low rates afterwards etc) was with the Post Office, but after the application I head nothing for a month, chased 4 or 5 times and eventually gave up. The next best I could see (from Guardian Money) was a Cahoot card, but I failed to notice it wasn't actually 0% , until the card arrived three weeks later. SO I have given up. At least the Cahoot card is the lowest normal rate I have seen. I'm paying 9.8% APR. Some well known cards are double this (Barclaycard)!

One of the reasons I have given up is that (PO apart) they all appear to have the Balance Transfer fees which make the whole deal less attractive.

[Funkstar]

I just got a CapitalOne Platinum card with 0% until August 2007 (with a 2% transfer charge). Much better than god knows what on my JL Partnership card.

[MD]

check out the info on the independent www.moneyfacts.co.uk

[teachmech]

Another good site is

http://www.fool.co.uk/

this is where I go to compare credit card and loan rates. Just bought a car borrowed at 5.5% which is lower than my mortage.

[Stoo]

Halifax one card was pretty good when I used them (12months interest free on both the transfer and purchases )

[Moonshade]

Currently unemployed, since I graduated in the beginning of June...
but going to Uni this fall, so it will not last too long.

-- Moon

[frazered]

I have had a go and got it all wrong!

Best deal I could see (0%, no transfer fee, low rates afterwards etc) was with the Post Office, but after the application I head nothing for a month, chased 4 or 5 times and eventually gave up. The next best I could see (from Guardian Money) was a Cahoot card, but I failed to notice it wasn't actually 0% , until the card arrived three weeks later. SO I have given up. At least the Cahoot card is the lowest normal rate I have seen. I'm paying 9.8% APR. Some well known cards are double this (Barclaycard)!

One of the reasons I have given up is that (PO apart) they all appear to have the Balance Transfer fees which make the whole deal less attractive.

try again, 9.8% can be beaten easily, try the capital one card or halifax for long 0% deals

[Kumagoro]

I heard on tv that the charity ones dont even charge a balance transfer fee like these
other 0% on balance transfer tricksters. I think nspcc is one of them.