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Just watch out for the same 18.95% interest rates after this period and transfer fees.

As long as the balance is paid off by the end of the period, these cards stack up against the best of the interest free finance or purchase loans you’d find on the high street - from furniture or electrical retailers for example.

In the app there are 'chatrooms' including Everyone and Nearby.

The former searches for all users, while the latter applies to people within Bluetooth and Wi-Fi range.

Then it’s all about transferring the balance for as low a fee as possible, usually with the longest window of opportunity to pay it off.

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