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Step Two

Make sure you really need to do a transfer. If you think you might be able to clear your card debt in full in the next few months then it wonít be worth the hassle of switching.

But if your debt has been clocking up interest for some time and you just donít know how to get rid of it then a switch can buy you some time. If you are used to paying, say, £100 a month in interest then you should be able to afford to knock £100 a month off your debt if you move on to a zero-per cent transfer deal. Then at least your total debt will be falling over the year, while your own out-goings stay the same.