APR after 0% period

[TellerTuesday4EVA]

I did a 0% balance transfer which I fully intended to have paid off by the time the 0% period ended - life got in the way of that!!

It's due to expire in a couple of months time & although I've made a large dent in it there still a balance. DH is swapping jobs soon which will hopefully mean I have more to through at it so shouldn't take too much longer to clear off so I'm not I'll look at taking out another card.

But... I'm trying to figure out if the APR will defect to my current rate when the 0% period ends or will it be higher? I can't find any communication with the card company from when I did the transfer & I can't find info on my account on their website... even tried asking the virtual assistant.

Does anyone know generally if it just starts getting charged at your standard APR? I paid a balance transfer fee of 3% when I took it out if that makes any difference.

Thank you x

Yes, I'd expect it to move to the standard rate on your card. Give them a call if you're not sure and they will be able to confirm.

It usually goes back to your standard rate. Get another card with a 0% offer and transfer to that. Moneysavingexpert will tell you what cards currently have the best deals.

Santander are currently doing a card that has 0% for 27 months with no fee. There are others too, one even pays cashback so if you transfer less than a grand or two, you actually make money from the deal, plus you get to carry on with your 0%.