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Step Five

Look at the time limits. The longer your low or no interest deal lasts the better and the likes of HSBCM and Virgin Money have attracted a lot of attention lately for offering deals lasting up to 15 and 13 months respectively.

But again the experts say you need to check the small print. The best deals will last, say, 12 months from the date of your balance transfer. Others only last until a set date in the future, so if it takes several months until you hear about the deal and get your new card issued you will enjoy a lot less benefit from it.