If you are not going to pay off your credit card balance within the 0% period you should think about what you are going to do after the period is over. Some credit card companies are better than others. Often it is worth pre-applying for another card and shifting the balance, but it is worth keeping the following options in mind, as it may be worth staying where you are.
MBNA
MBNA always seem to offer good deals for existing customers. They will write to you fairly often and offer you reasonable interest rates for existing debt. It is worth looking into these or giving them a call to see what they offer before you leave. (MBNA group includes all the MBNA cards, Virgin and Alliance & Leicester)
Barclaycard
Barclaycard don’t seem to offer 0% deals once the 12 months is up, but they do offer a low interest “for the life of the balance” rate, which could be good, especially if you have made inroads into the balance and plan to get it paid off soon.
EGG
Egg have a unique option for a short term (5 months) 0% deal, 12 months after your acceptance date. This means you can in effect plan ahead for when your deal expires.
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