Hi, have around $6k credit card that I'm looking to transfer to another card with 0% interest.
I don't use a credit card for any bills, don't care about points, it was used to cover an emergency. Likelihood is it won't be paid off in 12 months so it would be nice to have a long 0% pa.
I've been on Finder but for someone who has never really used a cc before it's hard to determine the best deal.
I was looking at Citi Rewards Platinum Credit Card - Balance Transfer Offer, which has 26 months, but a 1.5% transfer fee and then $199 yearly fee.. that yearly fee seems high to me and maybe negates the long 0%?
Was hoping someone has been in the same boat and has some recommendations?
why not go an 18mth deal with no BT fee and lower annual fee?
The 'Virgin Australia Velocity Flyer Card - Annual Fee Offer' on finder offers this.
Alternatively, the Citi Clear Platinum has no annual fee in the first year so you wouldn't pay a cent for the first 11-12mths BT, and then jump ship before the annual fee is due.