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The Lloyds credit card offers up to 24 months 0% and charges no fee to transfer your balance.
- The deal is good if you can repay your balance in within the time. But if you can't then you'll need to look at the other cards available.
- You must transfer your balance in the first 90 days to get the 0% deal. Transfers made after this time will pay 18.9% APR and a 3% fee.
- You can't transfer from another Lloyds card (though you can from AA, Saga, Halifax or Bank of Scotland, which are also owned by the Lloyds group).
- Some people who get accepted for the card will get 13 months at 0% instead of the full 20 months.
- After the 0% period ends, any debt left on the card will start to accrue interest at 18.9% representative APR (some people who get the card will be given APRs of 21.9% or 25.9%). Either pay off in FULL before interest hits, or, if you can't, do another balance transfer.
- Balance transfer length & fee: Up to 24 months, no fee
- 0% balance transfer time limit: First 90 days
- Minimum payment:
Greater of 1% of balance plus interest, or £5
- Min income: N/A | Card issuer: Mastercard
A nonsense piece of regulation means we have to tell you if you were to spend £1,200 at an annual interest rate of 18.94% (variable) your Representative APR would be 18.9% (variable).
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