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>> If you're very close to a round deposit amount that will allow a much
>> lower interest rate then it may not be a bad idea, assuming you can find
>> a 0% offer for 6 months or something, by which time you could pay it off.
>
> It's news to me that you can *get* a 0% loan, but anyway...
Well it works out at around 1% as they charge you a fee to transfer your
balance into the card (I found 2% fee for 2 years interest free, or 1%
fee for 1 year). It works because they assume a proportion of people
won't switch at the end of the period (and then get charged their hefty
standard rate of 20% or whatever on some huge amount). If you can be
bothered to research and move around your money every time the offer is
about to end you can get a pretty good deal long term.
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