Which CC deal is best?

[KatyMac]

6.9% for the life of the balance £125 fee
7.9% for the life of the balance no fee
0% for 6 months £125

I am so confused - I am 'unlikely' to pay it off in 6 months but there might be a better deal available then

Is there a way to work it out?

Anyone?

About 19m(I think) - At the lowest I can guarantee to pay off it would be 19 months - but I might manage to pay it off quicker

I'd try & get another interest free when it ran out? But there might not be one avail.

£5000 btw

OK 6 months at 0% (with 125 fee) plus balance on 7.9% no fee is the cheapest

So it is whether the risk of there being a deal after 6 months is a reasonable one (I think)

Go onto the moneyexpert.com you can see whats available for example virgin money are doing 0% balance transfer for 16 months (the first one on the list)

Yes but these are cards I already have rather than new ones

why not go for the 0% for six months, and whack off as much as you can in that time then do another shuffle or get a new card then?

I guess

I've applied for the Virgin one (well DH has) & we have been approved - we have to phone tomorrow to see what our credit limit is

Hopefully it will be enough

I am fairly sure with a little economising I can do it in 12 months [hopeful face]