|By Marketwired .||
|January 3, 2013 01:00 AM EST||
LEEDS, UNITED KINGDOM -- (Marketwire) -- 01/03/13 -- Competition is heating up in the world of balance transfers with more and more cards emerging onto the market offering 0% interest deals. Now borrowers can choose from an even wider range of deals, however, it might be worth knowing your exact requirements before committing to a card.(i)
Asda Money has created a balance transfer credit card guide offering information for customers looking to find out more about balance transfer credit cards and what credit card customers may need to know about them.
What are balance transfers?
Balance transfers can be a way of reducing the amount of interest you might pay on cash you have borrowed on a credit card, store card, personal loan or other form of credit. It is a simple process of moving your borrowed money from one place to another in order to reduce the fees you might be paying. Typically, it is for large sums of money in the hundreds or thousands rather than the odd outstanding GBP 50.
What's the difference between providers?
There are a huge number of balance transfer credit cards on the market and it can be overwhelming to decide which one is right for you, should you choose to take one out. There are several things you should consider before taking out a balance transfer credit card. You should look at features such as the introductory rate, how much you are looking to transfer, how long you might take to pay off the amount and the length of introductory promotions such as 0% interest.
A lengthy 0% interest period can be anywhere between 12 and 22 months. A low annual percentage rate after the introductory period can also help consumers.
It is always worth comparing balance transfer cards to ensure that you get the best deal.
The Asda Money balance transfer calculator, available on the Asda Money website, can help you work out how much money you could save over the course of 12 months.(i) It will show you how much you can save if you transfer your existing credit balance over to an Asda Money credit card.
Notes to editors
(i)Source: Financial Times, Rise in 0 per cent balance transfer deals
(i) Source: Asda Money http://money.asda.com/credit-cards/balance-transfer-calculator/
About Asda Money Credit Card
-- 1 % cashback on Asda shopping -- 1% cashback at Asda filling stations -- 0.5% cashback at all other shops -- 0% balance transfers for 12 months(i)
Standard Purchases: 14.9% p.a. variable. Representative APR: 14.9% variable. Total amount of credit:GBP 1200. This is for illustrative purposes only and actual total amount of credit may differ.
(i)Balance Transfer Terms and Conditions: Balance Transfer fee of 2.9% (minimum fee GBP 3 per transaction) will be charged in respect of each Balance Transfer. Subject to account status. Account Terms and Conditions apply. You can Balance Transfer up to 80% of the available credit limit within the first 90 days of account opening. Balance Transfers from existing storecard accounts and loans issued by Creation Financial Services Ltd or Creation Consumer Finance Ltd and credit card accounts issued by Sygma Bank UK are not permitted. Minimum value for Balance Transfer is GBP 50. At the end of the promotional period you will be charged the Standard Rates of Interest in accordance to your Account.
Asda Money is a trading name of Asda Financial Services Limited. Asda Financial Services Limited uses a selection of companies to provide its products and services. Please refer to www.ASDA.com/money for details of our product partners and the relevant terms and conditions for each of our products and services.
Subject to status. Applicants must be aged 18 or over and UK resident (including Isle of Man and Channel Islands). The Asda Money Credit Card is issued by Sygma Bank UK, a Creation Group company, Chadwick House, Blenheim Court, Solihull B91 2AA.
+44 (0)1925 611 026
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