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This Lloyds credit card gives up to 42 months 0% with a fee of 2.3%. This is one of a group of cards who may accept you, but choose to give a shorter 0% period - in this case 20 months 0%, which isn't a competitive deal.
- You have 90 days to transfer the balance onto the Lloyds credit card to get the 0% deal. Transfers after that will pay 18.9% APR and a 3% fee.
- You'll initially be charged a 3% fee when you transfer, then the difference will be credited back to you, making an effective fee of 2.3%.
- You can't transfer from another Lloyds card (though you can from Halifax or Bank of Scotland, even though they are also owned by the Lloyds group).
- After the 42 months at 0%, any debt left on the card will start to accrue interest at 18.9% representative APR. Poorer credit scorers could pay 21.9% or 27.9% rep APR.
- Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.
- Balance transfer length & fee: up to 42 mths 0%, 2.3% fee
- Card issuer: Mastercard
Min repayment:Greater of 1% of balance plus interest, or £5
- Any restrictions? Must transfer in first 90 days
- Min income: N/A
- Will I get the full 0%? Not necessarily. Some poorer credit scorers will get 20 months.
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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