The 32 month seems a winner with such a low fee, I'm on track to clear my current one before it runs out though so will resist the temptation.

Joint-longest ever you mean. MBNA do a similar-termed card.

32 month is a much better deal but for long term security the 43 month is brilliant!

or 0% forever with no fees if you just resist the urge to spend money you don't have yet.. if I could go back 20 years and give my younger self some great life advice it would be to never take out loans or creditcards to fund a lifestyle I've not earned yet.. it's just a massive chain around your neck for years and years keeping you subscribed to the rat race and limiting your life choices.

It all depends how you spend/invest the money, if you're going to use it on a holiday or a car depreciating faster than speed of light then it's your choice. Otherwise you can use this money to clear out more expensive debts such as, make mortgage over-payments, or put the money in safe investments (ISA, bonds etc).

My mortgage lender allows making over payments using credit card so I just use my everyday credit card to make over-payments and then use one of these balance transfer cards to clear out the balance on my everyday credit card, and then slowly pay off credit card debt within the 0% interest free period. Takes a little discipline and planning but that's what I call savings.

I was offered 0% on balance transfers for 20 months with 0% fee with Barclaycard

stoozing ??

Thanks OP, got the 43% :smiley:

lloyds are also doing 42 months int free with 2.35% fee

lol I meant 43 months. Cheaper than my car loan.

Also many people take loans e.g. Homes, cars to better their lifestyles and disciplined enough to pay it off.

Kind regards,

Halifax CEO :man:

ask your Mum, she would know.

Thank-you samspud. I applied for the 32 month card and computer said yes.........so far!! So, so far, so good!! Thank-you for taking the time to post for the benefit of others.