Credit Cards Applications
Beware Of These 0% Card Tricks!
Since the advent of 0% balance transfer on cards, millions of people have taken advantage of enjoying borrowing money at 0% for an extended period. How it works is that you transfer an existing credit card balance across to a new card and enjoy 0% interest on it for a set period of time.
This is certainly more attractive than paying a typical 16% interest. However, like all good things that appear to be free, do be aware of catches.
Many lenders now will charge you a handling or admin fee for the balance transfer. This can be around 2 or 3% of the value of each transfer. Do check out with the individual credit card provider as to how much they charge as these fees do vary.
Recent research from Marks & Spencer Money showed how in some cases, people who make use of 0% deals are worse off than if they kept the debt on their existing card! So do your sums first to see if it really is worthwhile transferring your balance.
Finally, check whether the credit card provider charges interest on the actual balance transfer fee. You’d be surprised how many do in a bid to make some money back out of you.
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