Long story short, my sister has got herself into a bit of debt and has asked for my help sorting it out. I'll try and keep it as brief as possible:
Card A - currently has £3k on it, was balance transferred in at 0% interest until March 2026.
Card B - currently has £2k on it, needs to be transferred as 0% interest has run out.
She would like to transfer Card B into Card A so that it's all in one place. Card A are offering 0% on that until August 2027 for a 2.9% fee. I think she should open a Card C and transfer everything together there. She won't be able to pay off the £3k before March 2026, so would need to transfer the original part of the debt out again if not, if that's even possible. But she's worried about trying to open a third card and whether she would get accepted, credit checks etc.
Is it possible to have two interest rates running on one card? Would any payments she makes go towards the original debt with the least time left? She'd close card B and then she's only got one card open when she needs to transfer again in March 2026.
Thanks for any advice.