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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by BankruptcyNews[/i] [br]The best balance transfer offers A number of lengthy balance transfer deals have hit the market in a bid to tempt consumers struggling with increased interest rates. The Royal Bank of Scotland is launching three new cards from its stable of brands with more than a year's free credit on switched balances, while HSBC has also launched a brand new 12-month offer. The card launches come in the wake of Tesco extending its balance transfer offer to 12 months and Barclaycard launching a 0% offer until July next year on two of its cards. There are now over 10 cards on the market that offer over a year's worth of free interest on balance transfer deals. The launches come at a time when interest rates are on the up, putting extra strain on household budgets. However, card customers should consider the balance transfer fee when choosing a card because it could be more beneficial choosing a lower balance transfer offer period if it comes with a smaller fee. RBS is offering 13 month's 0% interest on both its NatWest and RBS credit cards. Both cards come with a 2% balance transfer fee and have an average ongoing interest rate at 13.9%, although this drops to 12.9% for certain customers of the banks. Mint, another RBS-owned brand, is offering 0% interest on balance transfers until the beginning of August next year. It also has a bonus offer of a further six month's free interest if another balance transfer is made October 2008. That card has a balance transfer fee of 2.5% and an ongoing variable rate of 14.9%. The new cards from RBS places it at the top of the best buy tables because of their low balance transfer fees. For example, it would cost £100 in fees if you were transferring £5,000 on to the Natwest card, compared to £150 if you were transferring the same amount on to a Virgin Money card, which also offers 0% interest for 13 months. If card customers want a capped balance transfer offer, then they should consider the Morgan Stanley Fly & Buy Mastercard. This offers nine month's free credit and caps the fee at £50. Source: thisismoney.co.uk See my Blogs: http://bankruptcynews.blogs.bankruptcyhelp.org.uk [/quote]   Check here to include your profile signature.