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Barclaycard typically offers 6.9pc with a 2.9pc fee, and MBNA cards often give short term 0pc deals.The advantage of doing this is that there’s no mark on your credit file. You need to operate it correctly, using these simple rules. Today’s best-buy card deals beat anything we’ve seen before.But the difference between what’s on offer now compared with pre-financial crisis is telling: back then, the record longest 0pc balance transfer was 15 months, now it’s nearly double that.Then once that’s clear, shift your focus to the second costliest, and so on.This is called snowballing, and will get you debt-free far quicker. But if you’re struggling to meet even your minimum repayments, or you have non-mortgage debts bigger than a year’s salary, or are feeling panicked and worried – then you’re likely to be in debt crisis.

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The amount you can transfer depends on the credit limit given.

It does this by running a “soft” search (the type lenders should use but don’t).

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