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For a card bearing the average interest charge, it would take 25 years and 6 months to repay if you only made the minimum payments - around £58 - each month, according to figures from the Money Charity. Paying down the debt is crucial, but in the meantime there is another way to help yourself manage the debt- one that doesn't invove pulling endless overtime or doing shifts at your local. 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For a card bearing the average interest charge, it would take 25 years and 6 months to repay if you only made the minimum payments - around £58 - each month, according to figures from the Money Charity. Paying down the debt is crucial, but in the meantime there is another way to help yourself manage the debt- one that doesn't invove pulling endless overtime or doing shifts at your local. "/> <meta property="og:updated_time" content="2016-10-18T12:09:13+01:00"/> <meta property="og:image" content="https://web.archive.org/web/20161022040527im_/https://static.independent.co.uk/s3fs-public/thumbnails/image/2016/02/13/11/Credit-card-online.jpg"/> <meta name="twitter:card" content="summary_large_image"/> <meta name="twitter:site" content="@independent"/> <meta name="twitter:title" content="Survival guide to balance transfers"/> <meta name="twitter:url" content="https://web.archive.org/web/20161022040527im_/http://www.independent.co.uk/news/survival-guide-to-balance-transfers-a7358241.html"/> <meta name="twitter:description" content="Consumer debt on credit cards now stands at £65.7bn - around £2,430 for every household in the UK. For a card bearing the average interest charge, it would take 25 years and 6 months to repay if you only made the minimum payments - around £58 - each month, according to figures from the Money Charity. Paying down the debt is crucial, but in the meantime there is another way to help yourself manage the debt- one that doesn't invove pulling endless overtime or doing shifts at your local. 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Read our <a href="https://web.archive.org/web/20161022040527/http://www.independent.co.uk/service/privacy-policy-a6184181.html">Privacy</a> and <a href="https://web.archive.org/web/20161022040527/http://www.independent.co.uk/service/cookie-policy-a6184186.html">Cookie</a> Policies to find out more.</p> </div> <div class="tabs"></div> <div class="region region-content"> <article class="full-article" itemscope itemtype="http://schema.org/NewsArticle"> <meta itemprop="mainEntityOfPage" content="http://www.independent.co.uk/news/survival-guide-to-balance-transfers-a7358241.html"> <div itemprop="publisher" itemscope itemtype="https://schema.org/Organization"> <meta itemprop="name" content="The Independent"> <link itemprop="sameAs" href="http://www.independent.co.uk"> <link itemprop="logo" href="https://static.independent.co.uk/static-assets/brand-logo.png"> </div> <header> <ol vocab="http://schema.org/" typeof="BreadcrumbList" class="breadcrumbs clearfix"><li property="itemListElement" typeof="ListItem"><a property="item" typeof="WebPage" href="https://web.archive.org/web/20161022040527/http://www.independent.co.uk/news"><span property="name">News</span></a></li></ol> <h1 itemprop="headline" class=" ">Survival guide to balance transfers</h1> <div class="commercial-badge"> <span class="commercial-badge-term"><a href="https://web.archive.org/web/20161022040527/http://www.independent.co.uk/commercial/about-commercial-content-a7108746.html" target="_blank" ref="nofollow">In association with</a></span> <span class="commercial-badge-logo"> <img src="https://web.archive.org/web/20161022040527im_/https://static.independent.co.uk/s3fs-public/styles/commercial_badge_logo/public/thumbnails/image/2016/09/30/10/moneysupermarket-logo-2013.png" width="116" height="68" alt="moneysupermarket-logo" title="moneysupermarket-logo"/> </span> </div> <div class="intro"> <p>The latest figures show consumer debt continues to creep up with interest payments to match. But you don't need to get caught out. </p> </div> <ul class="caption meta inline-pipes-list"> <li title="12 October 2016 14:37 London"><time data-microtimes="{"published":"1476279420000","display":0,"changed":"1476279420000"}" datetime="14:37, 12 October 2016">Wednesday 12 October 2016 14:37 BST</time></li> <li class="comments"> <a href="#commentsDiv" id="comment-count" class="icon-comment"></a> </li> </ul> <div id="gigya-share-btns-1"></div> </header> <figure itemprop="associatedMedia image" itemscope itemtype="http://schema.org/ImageObject" class="featured-media medium-width"> <meta itemprop="representativeOfPage" content="true"> <meta itemprop="url" content="https://web.archive.org/web/20161022040527/https://static.independent.co.uk/s3fs-public/thumbnails/image/2016/02/13/11/Credit-card-online.jpg"> <meta itemprop="width" content="2048"> <meta itemprop="height" content="1536"> <picture title="Credit-card-online.jpg">  <source srcset="https://web.archive.org/web/20161022040527im_/https://static.independent.co.uk/s3fs-public/styles/article_medium/public/thumbnails/image/2016/02/13/11/Credit-card-online.jpg 1x" media="(min-width: 620px) and (max-width: 929px)"/> <source srcset="https://web.archive.org/web/20161022040527im_/https://static.independent.co.uk/s3fs-public/styles/article_large/public/thumbnails/image/2016/02/13/11/Credit-card-online.jpg 1x" media="(min-width: 930px) and (max-width: 1239px)"/> <source srcset="https://web.archive.org/web/20161022040527im_/https://static.independent.co.uk/s3fs-public/styles/story_large/public/thumbnails/image/2016/02/13/11/Credit-card-online.jpg 1x" media="(min-width: 1240px)"/>  <img src="https://web.archive.org/web/20161022040527im_/https://static.independent.co.uk/s3fs-public/styles/article_small/public/thumbnails/image/2016/02/13/11/Credit-card-online.jpg" alt="Credit-card-online.jpg" title="Credit-card-online.jpg"/> </picture> <figcaption itemprop="description" class="caption"> Transferring credit card debt could save the average UK debtor hundreds of pounds. <span class="copyright">Getty Images</span> </figcaption> </figure> <div class="article-wrapper clearfix"> <div class="main-content-column"> <div class="text-wrapper" itemprop="articleBody"> <p>Consumer debt on credit cards now stands at £65.7bn - around £2,430 for every household in the UK. </p> <p>For a card bearing the average interest charge, it would take 25 years and 6 months to repay if you only made the minimum payments - around £58 - each month, according to figures from the Money Charity. </p> <p>Paying down the debt is crucial, but in the meantime there is another way to help yourself manage the debt- one that doesn't invove pulling endless overtime or doing shifts at your local. </p> <p>Transferring the balance from one high interest charging card to a better deal could save the typical plastic debtor hundreds of pounds over the life of the debt.</p> <p>But the deal you choose depends on your circumstances as well as attitude to debts -both credit card, and in some circumstances overdrafts. The good news is that it tends to come down to just two providers - for now at least.</p> <p><strong>Cheapest 0 per cent deals</strong></p> <p>For the best deals up front, calculating the pros and cons of the fees is vital, typically at the expensive of longer interest free periods.</p> <p>The best, cheapest per cent deals on out there right now include <a href="https://web.archive.org/web/20161022040527/http://www.moneysupermarket.com/shop/third-party-promotion-click/?product_sku=CC_MBNA_CREDIT_CARD&source=INDI&channel_id=112" rel="nofollow" target="_blank">Virgin's 32 month 0 per cent offer</a>, which carries a 1.69 per cent transfer fee on credit card balances or money transfers (such as overdrafts) after a refund. </p> <p>Or <a href="https://web.archive.org/web/20161022040527/http://www.moneysupermarket.com/shop/third-party-promotion-click/?product_sku=CC_MBNA_CREDIT_CARD&source=INDI&channel_id=112" rel="nofollow" target="_blank">MBNA's 24 month</a> interest free period offer carries a 1.99 per cent fee. </p> <p><strong>Longest 0% money transfer cards</strong></p> <p>For a little more wriggle room, <a href="https://web.archive.org/web/20161022040527/http://www.moneysupermarket.com/shop/third-party-promotion-click/?product_sku=CC_VIRGIN_LONG_BT_CARD&source=INDI&channel_id=112" rel="nofollow" target="_blank">Virgin's 36 month </a>deal comes includes a transfer fee at 2.39 per cent, or<a href="https://web.archive.org/web/20161022040527/http://www.moneysupermarket.com/shop/third-party-promotion-click/?product_sku=CC_MBNA_PLATINUM_MT_CARD&source=INDI&channel_id=112" rel="nofollow" target="_blank"> MBNA</a> will match the term for a slightly higher 2.99 per cent fee. </p> <p>The longer the 0 per cent period, the higher the fee though, and at 41 months, <a href="https://web.archive.org/web/20161022040527/http://www.moneysupermarket.com/shop/third-party-promotion-click/?product_sku=CC_VIRGIN_EXTRA_LONG_BT_CARD&source=INDI&channel_id=112" rel="nofollow" target="_blank">Virgin</a> offers the longest deal but at a fee of 3.79 per cent. </p> <p><strong>Long-term low-rate card</strong></p> <p>But if it's time you're after, the current best buy is for long terms, low interest rates and a decent balance transfer fee, the current best buy is <a href="https://web.archive.org/web/20161022040527/http://www.moneysupermarket.com/shop/third-party-promotion-click/?product_sku=CC_MBNA_FIVE_CREDIT_CARD&source=INDI&channel_id=112" rel="nofollow" target="_blank">MBNA's 60 month</a> offer at 4.9 per cent, with a fee of 0.5 per cent. </p> <p><em>All product details are correct at the time of publishing.</em></p> <meta itemprop="datePublished" content="2016-10-12T15:37:00+01:00"/> <ul class="inline-pipes-list"> <li> More about: </li> <li><a itemprop="keywords" href="/web/20161022040527/http://www.independent.co.uk/topic/credit-card-fees">Credit card fees</a></li> <li><a itemprop="keywords" href="/web/20161022040527/http://www.independent.co.uk/topic/best-balance-transfers">best balance transfers</a></li> <li><a itemprop="keywords" href="/web/20161022040527/http://www.independent.co.uk/topic/cheap-credit-cards">cheap credit cards</a></li> <li><a itemprop="keywords" href="/web/20161022040527/http://www.independent.co.uk/topic/Virgin">Virgin</a></li> <li><a itemprop="keywords" href="/web/20161022040527/http://www.independent.co.uk/topic/mbna">MBNA</a></li> </ul> <div id="gigya-share-btns-2"></div> </div> <div class="box-comments"> </div> <div class="taboola"> <div id="taboola-below-article-thumbnails"></div> <div id="taboola-below-article-thumbnails-2nd"></div> </div> <div id="most-popular-mobile" class="most-popular-mobile"></div> <div class="partner-slots"> <div class="es-partners-slot parter-slot-1"> <div id="partner1"> </div> </div> <div class="es-partners-slot parter-slot-2"> <div id="partner2"> </div> </div> </div> <div class="box-comments"> <a 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