Balance Transfer Credit Cards
Move existing card debt to a 0% introductory rate
Pros
- No interest during the introductory period
- Can significantly speed up repayment if used well
Cons
- A balance-transfer fee usually applies
- Interest rate rises sharply once the offer period ends
About Balance Transfer Credit Cards
A balance transfer card lets you move existing credit card debt onto a new card with a 0% introductory interest rate for a set period, giving you time to pay it down without extra interest — as long as you clear it before the offer ends.
How this works
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Frequently asked questions
What happens if I don’t clear the balance before the 0% period ends?
The remaining balance starts accruing interest at the card’s standard rate, which can be significantly higher — it’s worth having a clear repayment plan before you transfer.
Are you a debt adviser yourselves?
No — Reduce Debt Quickly is an independent information service. We always recommend free advice from StepChange, National Debtline or MoneyHelper before choosing any paid solution.
Will these options affect my credit file?
Most formal debt solutions (IVA, DRO, bankruptcy) do affect your credit file, typically for several years — this is disclosed honestly on each option’s page above.
What happens after I request a callback?
A partner debt adviser reviews your situation and explains which options genuinely apply to you — there’s no obligation to proceed.
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