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Using a credit card for your spending can have many benefits, from added legal protection to cashback or collecting loyalty points at your favourite retailer. Bank base rates are the lowest they have ever been at 0.5%, yet the average interest rate charged on a credit card is 18% APR (annual percentage rate).However, credit card debt can quickly mount up if you don’t pay your card off in full each month. Transferring your balance to another credit card that charges a lower interest rate may help reduce your monthly payments.One option for borrowers with existing credit card debt is to move it to a balance transfer credit card.These cards offer a period in which no interest will be charged on that debt, meaning that every penny of your repayments goes directly towards reducing the size of your original debt.You will need to pay a fee to transfer your debt over, usually around 3% of the balance transferred (subject to a minimum fee level), so if your outstanding balance is £1,000 it will cost you £30 to switch.
These cards are usually only an option if you know you have a good credit rating.
If you feel you will need longer than the interest-free period offered by balance transfer cards in order to pay off your debt, then an alternative option is a low interest rate card (or low standard rate card).
These cards offer a much lower rate of interest than most credit cards, allowing you to pay off your debt quicker.
In addition, some low interest rate cards will not charge you a fee for transferring your balance over.
Google “low standard rate credit cards” to find the lowest APR card you can.
Don’t let the fact that your interest payments have gone down prevent you from trying to pay off your debt as quickly as possible.