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But the difference between what’s on offer now compared with pre-financial crisis is telling: back then, the record longest 0pc balance transfer was 15 months, now it’s nearly double that.
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Only a year ago, I was raving about the new record-longest 0pc balance transfer deal nearing two years – that wouldn’t even merit a mention now. When you shift debt, there is a one-off fee related to the amount transferred.
To spell it out, that means if the balance transfer fee is 3pc and you transfer a grand, you will owe £1,030.