Finds your % chance of getting top balance transfer cards
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This Virgin Money card gives 41 months at 0% for a one-off fee of 3%. If you're accepted for this card, you'll get the full period at 0% - this card doesn't give shorter 0% periods to some accepted for it, as other cards do. Are you pre-approved?
What's 'pre-approval'? Virgin Money has provided info so we can tell many people they've a 100% chance of getting that exact deal (subject to passing its ID & fraud check). There's no impact on your credit score, though of course if you then apply, that marks your file.
- Balance transfers must be done within 60 days of opening the account to ge the 0% deal. Transfers made after this time will pay 20.9% interest and a 5% fee.
- After the 0% deal ends if you've still got a balance on the card, you'll pay 20.9% interest a year on it, so budget to pay off within the 41 months.
- Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.
- Balance transfer length & fee: 41 months, 3% fee
Greater of 1% of balance plus interest, or £25
- Min income: N/A
- Card issuer: Mastercard
- Balance transfer time limit: First 60 days
A nonsense piece of regulation means we have to tell you if you were to spend £1,200 at an annual interest rate of 20.9% (variable) your Representative APR would be 20.9% (variable).
Unlike applying, which usually leaves a hard search on your credit file and can hurt your future credit worthiness,
our eligibility calculator uses a soft search. We use this to find out how likely you are to be accepted.
You see the soft search on your credit file, but lenders don't, so it has no credit impact.
Use this calculator to home in on the card you're most likely to get.
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