Frequently Asked Questions

Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) under registration number 673428. We are also members of the Consumer Credit Trade Association (CCTA).

Going ahead with an application for a balance transfer credit card with no interest will likely mean a hard credit search will be completed on your credit report. Hard credit searches will be visible to others. Many hard searches in a short period can be viewed negatively and impact your score.

However, using an interest free balance transfer credit card correctly to reduce debt over time will improve your finances and credit score as you prove you can manage debt. Not making your minimum monthly repayments will hurt your credit score. Your credit report will show missed payments and defaults for up to 6 years.

No, we don't sell data.

Additionally, unlike many other comparison sites, we won't ask you for personal information to compare products or services. We don't believe forcing you to fill in lengthy forms to compare products is right. The only forms we have on our site are for contact purposes - for example if you want to ask us a question, and an optional form for you to receive a monthly newsletter via email.

That's it.

The main risk is if you can’t pay off the balance in full before the interest free period ends. This will result in you repaying the interest again on the remaining balance. However, if you ensure you know when the interest free period ends, you can transfer any remaining balance to a new interest free credit card to avoid paying interest. But this will be subject to approval, you will usually have to pay a fee on the balance you wish to move.

Making monthly repayments on time is equally important. Not doing so can mean you lose the interest free period and damage your credit rating.

It would also be wise not to spend on 0 interest balance transfer credit card if possible. New purchases will incur interest charges unless you pay for these within the interest-free grace period. Regardless, using your new card will mean you have the transferred debt to pay off and any recent transactions.

You can contact us by calling 0203 8871494 or emailing [email protected]

Just so you know, our office hours are Monday to Friday, 9.00 am to 5.30 pm (we are not open on weekends or public holidays).

Yes, balance transfers don’t always get approved. For example, if the amount you want to transfer on the current card exceeds the limit on the new card. The card provider will likely cancel the request, and you may have to submit a lower amount to transfer within your new credit limit.

We are passionate about offering our customers the best financial products from reputable companies. To be considered, you must be based in the UK. All financial services companies must be authorised and regulated by the Financial Conduct Authority (FCA). Additionally, you must have a clear complaints procedure in place.

We offer affordable rates, no lengthy contracts, flexibility and no set-up costs. Please write to us to find out more: [email protected].

Just so you know, our office hours are Monday to Friday, 9.00 am to 5.30 pm (we are not open on weekends or public holidays).