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Balance Transfer Credit Cards

Up to 36mths 0%, 1.99% fee

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Martin

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Balance transfer credit cards Paying credit card interest? STOP. A balance transfer credit card can save you £1,000s by slashing the interest you pay. This guide explains it all, compares the best deals and includes our 'eligibility calculator' to find cards you've best odds of getting.

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How do balance transfers work?

With a balance transfer you get a new card to pay off debt on old credit and store cards, so you owe it instead, often at 0% interest – sometimes for a small fee. You're debt-free quicker as more of your repayments reduce the debt, rather than pay interest. If unsure which to pick, use this golden rule...

It's best to go for the card with lowest fee in the time you're sure you can repay it. If unsure, play safe and go long.

Good / Evil Credit Card
 

Use our eligibility calculator to find cards you're most likely to get, without hitting your credit score

Making an application is recorded on your credit file. While a single one is not a big problem, especially if you've a good credit score, lots in a short time are problematic.

So use our Balance Transfer Eligibility Calculator to show cards you're most likely to get, so you don't waste an application. And it's NOT recorded as a hard search on your credit file.

Quick question

Does getting a new card harm my credit score?

Rather watch than read? This helpful little video gives you the balance transfer lowdown...

The six golden rules

Get this wrong and it can cost you large, so please read the following.

1. Always clear debt or shift again before the 0% or cheap rate ends, or costs can rocket

2. Repay AT LEAST the monthly minimum or you may lose the cheap rate

3. Don't spend or withdraw cash on a balance transfer card. If you do, you may get hammered with huge costs

4. First use our eligibility calculator to find cards you're most likely to get...

5. 'Up to' deals mean you might not get the 0% length you apply for if you've a poorer credit score

6. You could cut interest WITHOUT new cards – the credit card shuffle


Best long-0% balance transfer cards

The longest credit card deals offer more than three years at 0%, though acceptance is tough, so don't just apply willy-nilly. Use our Balance Transfer Eligibility Calculator to check which you've best odds of getting before you apply.

Barclaycard 38 months

Longest 0%, but you could get fewer months

MBNA* up to 36 months, 1.99% fee (21.9% interest after)

This MBNA* card offers the longest 0% period. You could be offered fewer 0% months which won't make it as good, but if you're pre-approved through our eligibility calculator, you'll definitely get the full 36 months.

Need-to-knows
  • You must transfer your balance within the first 60 days to get the 0% deal. Transfers made after this time will pay 21.9% APR and a 5% fee.
  • You can't transfer a balance from another MBNA card.
  • After the 0%, it's 21.9% interest per year on any remaining transferred debt.
  • Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.
  • Don't spend/withdraw cash on this card. It usually isn't at the cheap rate and cash withdrawals hit your credit file.
Eligibility Calculator
(MSE's free tool)
APPLY*
(at lender site)

Protect your credit score and check chances of getting card

Stats box
  • Balance transfer length & fee: Up to 36 months, 1.99% fee
  • Minimum payment: Greater of 1% of balance plus interest, or £25 | Min balance transfer amount: £100
  • Min income: N/A | Card issuer: Visa | 0% balance transfer time limit: First 60 days
  • Rate: 19.9% representative APR (see Official APR Examples)
Virgin Money 35 months

Joint longest though high fee, but get the full 0% period if accepted

Virgin Money* 36 months 0%, 2.8% fee (20.9% interest after)

This Virgin Money* credit card offers the same 0% period as the MBNA card above, though the fee to transfer your debt is quite a bit higher.

This card may have an advantage, though, in that everyone who's accepted for it will definitely get 36 months at 0%, whereas some accepted for the MBNA card could be offered fewer months at 0%.

Need-to-knows
  • You must transfer your balance in the first 60 days to get the 0% deal. Transfers made after this time will pay 20.9% APR and a 5% fee.
  • You can't transfer a balance from another Virgin Money card.
  • After the 0%, it's 20.9% APR on any remaining transferred debt.
  • Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.
  • Don't spend/withdraw cash on this card. It usually isn't at the cheap rate and cash withdrawals hit your credit file.
Eligibility Calculator
(MSE's free tool)
APPLY*
(at lender site)

Protect your credit score and check chances of getting card

Stats box
  • Balance transfer length & fee: 36 months, 2.8% fee
  • Min payment: Greater of 1% of balance plus interest, or £25 | Min balance transfer amount: £1
  • Min income: £7,000 | Card issuer: Mastercard | Balance transfer time limit: 60 days
  • Rate: 20.9% representative APR (see Official APR Examples)

Got those above? More 0% balance transfer cards

If you can't find a card above that suits you, here are some quick details of the next best. The 0% periods aren't as long, or they come with a slightly higher fee, but they're still good alternatives.

Card 0% length BT fee APR† Eligibility Calculator
Halifax*Halifax
Up to 36 mths 2.68% 19.9% You can use our eligibility calculator for this card – are you pre-approved?
Tesco Bank*
Up to 36 mths 2.69% 18.9% -
Barclaycard*
Up to 35 mths 1.85% 19.9% You can use our eligibility calculator for this card – are you pre-approved?
  • †Representative variable APR, your balance transfer interest may be different | See all Official APR Examples

Best long-0% balance transfer cards with lowish fees

If you can clear debt quicker than the 0% periods above, it's possible to slash the fee. We've ordered them starting with the longest 0% with a sub-1.5% fee. Use Which card is cheapest? ready reckoner if you're unsure.

HSBC

Long 0% period plus £25 cashback if you transfer £300+

HSBC* – 32 months 0%, 1.4% fee (19.9% interest after)

This HSBC* credit card offers a decent 0% period and offers new customers £25 cashback if you apply by Mon 16 July and transfer at least £300 within 60 days. If you're accepted for the card you'll definitely get the full 0% period.

Need-to-knows
  • The £25 will be credited to your card account by 31 October 2018.
  • You can't transfer a balance from any bank in the HSBC Group, including HSBC, First Direct, M&S Bank and John Lewis, and you won't be eligible for the cashback if you've had an HSBC credit card since 14 November 2017.
  • After the 0%, it's 19.9% interest on any remaining transferred debt though some poorer credit scorers will pay up to 22.9%.
  • Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.
  • Don't spend/withdraw cash on this card. It usually isn't at the cheap rate and cash withdrawals hit your credit file.
Stats box
  • Balance transfer length & fee: 32 months, 1.4% fee (min £5)
  • Min payment: Greater of 1% of balance plus interest, 2.5% of balance, or £5 | Min balance transfer amount: £5
  • Min income: £8,500 | Card issuer: Visa | Balance transfer time limit: 60 days
  • Rate: 19.9% representative APR (see Official APR Examples)
HSBC

Long 0% period plus £25 cashback if you transfer £1,000+

MBNA* – up to 31 months 0%, 1.1% fee (21.9% interest after)

This MBNA* credit card offers a decent 0% period and comes with £25 cashback if you apply via our link and transfer at least £1,000 within 60 days. You could be offered fewer 0% months which won't make it as good, but if you're pre-approved through our eligibility calculator, you'll definitely get the full 31 months.

Need-to-knows
  • The £25 will be credited to your card account within 60 days of the balance transfer.
  • You need to transfer a balance in the first 60 days to get the 0% interest period.
  • You can't transfer a balance from another MBNA card.
  • After the 0%, it's 21.9% interest per year on any remaining transferred debt.
  • Some poorer credit scorers will be offered a card with a higher fee.
  • Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.
  • Don't spend/withdraw cash on this card. It usually isn't at the cheap rate and cash withdrawals hit your credit file.
Stats box
  • Balance transfer length & fee: up to 31 months, 1.1% fee
  • Minimum payment: Greater of 1% of balance plus interest, or £25 | Min balance transfer amount: £100
  • Min income: N/A | Card issuer: Visa | 0% balance transfer time limit: First 60 days
  • Rate: 19.9% representative APR (see Official APR Examples)

Got those above? More 0% balance transfer cards

If the cards above don't suit you, here are quick details of the next best cards.

Card 0% length BT fee APR† Eligibility Calculator
Virgin Money* Virgin Money card 32mths 0.6% 20.9% You can use our eligibility calculator for this card – are you pre-approved?
Virgin Money* Virgin Money card 30mths 0.55% 20.9% You can use our eligibility calculator for this card – are you pre-approved?
Barclaycard*
Up to 30 mths 0.55% 19.9% You can use our eligibility calculator for this card – are you pre-approved?
  • †Representative variable APR, your balance transfer interest may be different | See all Official APR Examples

Best NO FEE 0% balance transfer cards

If you can clear your debts in 27 months, why pay a fee at all? They're the best option if you can DEFINITELY pay it off within the 0% period. We've ordered them from longest to shortest.

Santander

Longest no-fee 0% card and you'll get the headline deal if accepted

Santander* 27 months 0%, no fee (18.9% interest after)

This Santander* card is a good no-fee option, and if you're accepted you'll definitely get the full 0% period – which isn't always guaranteed on other cards. Unusually, you'll pay no fee if you transfer at any point within the 27mths, though you'd have less interest-free time if you waited.

Need-to-knows
  • After the 0% period ends, it's 18.9% interest.
  • Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.
  • Don't spend/withdraw cash on this card. It usually isn't at the cheap rate and cash withdrawals hit your credit file.
Eligibility Calculator
(MSE's free tool)
APPLY*
(at lender site)

Protect your credit score and check chances of getting card

Stats box
  • Balance transfer length & fee: 27 months 0%, no fee
  • Min payment: Greater of 1% of balance plus interest or £5 | Min balance transfer amount: £100
  • Min income: N/A | Card issuer: Mastercard | Balance transfer time limit: N/A
  • Rate: 18.9% representative APR (see Official APR Examples)

Got the above? More no-fee 0% balance transfer cards

If the card above doesn't suit you, here are quick details of the next best cards.

Card 0% length BT fee APR† Eligibility Calculator
MBNA* MBNA Up to 26mths None

19.9%

You can use our eligibility calculator for this card – are you pre-approved?
Barclaycard*
Up to 26mths None 19.9% You can use our eligibility calculator for this card – are you pre-approved?
Halifax* Halifax Up to 25mths None (1)

19.9%

You can use our eligibility calculator for this card – are you pre-approved?
Bank of Scotland* Bank of Scotland Up to 24mths None (1) 19.9% You can use our eligibility calculator for this card – are you pre-approved?
Lloyds* Lloyds card Up to 24mths None (1) 19.9% You can use our eligibility calculator for this card – are you pre-approved?
  • †Representative variable APR, your balance transfer interest may be different
  • (1) You may be offered a card with fewer 0% months and a hefty 3% fee
  • See all Official APR Examples

Best long-term, low-rate balance transfer cards

If you may need longer than the 0% lengths above or you prefer a stable relationship rather than switching every couple of years when a 0% deal ends, a low-rate card could be best – you sometimes even get that rate for the life of the balance. These charge interest but at MUCH lower rates than standard interest charges.

However, there are the two big things to consider...

0% cards can be cheaper than long-term deals

You can use life-of-balance cards like a personal loan


MBNA Low Rate

Low interest rate for up to four years with a small fee

MBNA* – 4.9% for up to 48 months, 0.5% fee

The MBNA* Low Rate card offers a low interest rate of 4.9% for up to four years, with a one-off fee of 0.5%, as long as you make your transfer within 60 days of account opening (you'll pay 8.9% interest and a 0.99% fee otherwise).

We've put this card above the life-of-balance cards below because after crunching the numbers on balances up to £7,500 (as larger limits are rarer), we found it's cheaper, even with the fee, as long as you budget to pay off your debt within four years. Any longer, and the cards below win.

Need-to-knows
  • After your low rate ends, you'll pay 8.9% interest a year on any debt leftover.
  • Some poorer credit scorers getting this card may be given initial interest rates of 9.9%, jumping to 11.9% at the 48 months' end.
  • You can't transfer a balance from another MBNA card.
  • This card accepts transfers from non-MBNA issued Amex cards.
  • This card also offers money transfers at 4.9% interest for four years, with a 0.5% fee.
  • Always pay at least the minimum monthly repayment, or you'll lose the low-rate deal.
  • Don't withdraw cash on it; it's not at the cheap rate and cash withdrawals hit your credit file.
Eligibility Calculator
(MSE's free tool)
APPLY*
(at lender site)

Protect your credit score and check chances of getting card

Stats box
  • Balance transfer rate & fee: 4.9% for 48mths then 8.9%, 0.5% fee
  • Min payment: Greater of 1% of balance plus interest or £25 | Min balance transfer amount: £100
  • Min income: £20,000 | Card issuer: Mastercard | Time limit: 60 days
  • Representative variable APR on spending: 8.9% (Official APR Examples)
Tesco Low Rate

Cheapest low rate card, with one interest-free month

Tesco 6.05% rep APR, no balance transfer fee

This Tesco credit card lets you balance-transfer at 6.05% interest rate for the life of the balance, with no fee as long as you transfer within one month. As a bonus, there's 0% interest for the first month.

If you know you'll be able to clear your debt within four years, the MBNA card above will probably be cheaper due to the lower rate, in spite of its 0.5% fee. But if you need longer, this is best.

Need-to-knows
  • You must balance-transfer within the first month; transfers after this attract a 3.99% fee.
  • You can't transfer a balance from another Tesco credit card, or apply if you hold more than one Tesco credit card already.
  • Some poorer credit scorers accepted for the card will be charged up to 12.5% on balance transfers, which isn't such a good deal.
  • This card accepts transfers from Amex cards, though you'll need to phone up to get it processed.
  • This card also has a low rate on spending, charging 5.9% rep APR – though again, you get the first month at 0%. Poorer credit scorers could be accepted for the card but charged a higher APR, up to 11.9%.
  • Always pay the monthly minimum payment or you'll get a penalty for late payment and a mark on your credit file.
  • Don't withdraw cash on this card. It isn't at the cheap rate and cash withdrawals hit your credit file.
ELIGIBILITY CHECK NOT AVAILABLE
APPLY
(at lender site)

Protect your credit score and check chances of getting card

Stats box
  • Balance transfer length & fee: 6.05%, no fee
  • Min payment: Greater of 1% of balance plus interest or £25 | Min balance transfer amount: £1
  • Min income: £5,000 | Card issuer: Mastercard | Time limit: One month
  • Rate: 5.9% representative APR (see Official APR Examples)
Key questions

What happens if it increases the rate? If a rate change is announced, as long as you agree not to borrow more, you have a right to reject any rise and pay off your balance at the current rate. See our Rate Jacking guide for the full rules.

Is there a time limit to transfer balances? Yes. You must transfer balances within one month to avoid a fee. After one month, the fee is 3%.

Best balance transfer cards for poorer credit scorers

To be accepted for most of the deals above, you need a decent credit score. Yet there is hope for those with a patchy credit past with the deals below...

Barclaycard Platinum card

Best if you haven't had much credit before

Barclaycard* 18 months 0%, 2.99% fee (24.9% interest after)

If you've debts on high-interest cards, but maybe have only had one card in the past, the Barclaycard Platinum* is aimed at you. It gives 18 months 0% as long as you transfer within 60 days – and if you're accepted you'll definitely get the full 0% period.

Need-to-knows
  • It's easier to qualify for than other cards in this guide that require a top credit score.
  • If accepted, you'll get 18 months. Barclaycard doesn't operate risk-based offers for this card (ie, it doesn't offer fewer months to poorer credit scorers).
  • You can't transfer a balance from another Barclaycard.
  • After the 0% period ends, interest varies depending on your credit score, but will be at least 24.9% so aim to clear it by then, or shift the debt again.
  • It is NOT for those with serious credit problems, such as recent county court judgments (CCJs) or defaults.
  • Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.
  • Don't spend/withdraw cash on this card. It usually isn't at the cheap rate and cash withdrawals hit your credit file.
Eligibility Calculator
(MSE's free tool)
APPLY*
(at lender site)

Protect your credit score and check chances of getting card

Stats box
  • Balance transfer length & fee: 18 months, 2.99% fee
  • Min payment: Greater of 1% of balance plus interest, 2.25%, or £5 | Min balance transfer amount: £250
  • Min income: N/A | Card issuer: Visa | 0% balance transfer time limit: First 60 days
  • Rate: 24.9% representative APR (see Official APR Examples)
Key questions

Will I definitely get 24.9% APR?
Although you won't be offered fewer months on this card, some accepted applicants with a slightly poorer credit score will be given a 29.9% interest rate, as Barclaycard operates rate-for-risk pricing. This can hit the cost of your balance transfer, especially if you find you can't pay it off within the 18-month 0% period.

What should I do when the 0% ends?
After the 18-month 0% is up, any debt left on the card will start to accrue interest at 24.9% or 29.9%. Either clear the card before interest hits, or, if you can't, do a balance transfer to another card.

Unlike the Barclaycard above, these cards are specifically designed for people who have had past credit problems.

Capital One

A short-term respite from interest if you've a poor credit history

Capital One* 0% for 6 months, 3% fee (34.9% interest after)

For those who've had past credit problems, Capital One's* Balance card provides a rare lifeline – even if you've had past defaults or CCJs. The 0% on balance transfers only lasts for six months, so treat it as an opportunity to shift debt in the short term, giving you a respite from interest which you should use to clear the card, if you can.

Need-to-knows
  • After the 0%, the rate jumps to a huge 34.9% interest so clear it by then or transfer again.
  • Credit limits are low, ranging from £200 to £1,500.
  • You still have to pass a credit check and CCJs or defaults must be more than a year old.
  • Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.
  • Don't spend/withdraw cash on this card. It usually isn't at the cheap rate and cash withdrawals hit your credit file.
Eligibility Calculator
(MSE's free tool)
APPLY*
(at lender site)

Protect your credit score and check chances of getting card

Stats box
  • Balance transfer length & fee: 6 months 0%, 3% fee
  • Min payment: Greater of 1% of balance plus interest, or £5 | Min balance transfer amount: £50
  • Min income: N/A | Card issuer: Mastercard | 0% balance transfer time limit: N/A
  • Rate: 34.9% representative APR (see Official APR Examples)
Key questions

How do I use this card best? In a perfect world, you'd shift all your debts to it, repay in six months and be debt-free. Yet if your debts are too big, that may not be possible. So, here's the best way to use it:

  • Shift as much debt as possible from the card(s) you have with the highest APR.
  • Use the 0% period on this card to pay as much off as possible, so that when it hits 34.9% you've little debt left.
  • After the 0% ends, if you shifted it from a card with a lower APR than this 34.9%, try to shift the remainder back on to the original card. There should be room if you've not spent on it – see the credit card shuffle. If you can't shift back, then try to pay this card off as quickly as possible.

What happens when the deal ends?
This is only a short-term deal so ensure you remember the end date and check to see if you can transfer the balance to another card then, if you still owe cash.

This will be easier if you make sure you always make the minimum repayments – if you don't, you may lose the deal anyway and have little chance of a new deal if your credit rating takes another hit.

Can I spend on the card?
All spending is at the huge 34.9% representative APR from day one – AVOID LIKE THE PLAGUE.

Capital One - 0% until April 2015, 3% fee

Another option if you've a poor credit history

Aqua* 0% for 6 months, 3% fee (34.9% interest after)

Like the Capital One card above, this Aqua* card is also designed for those with a poor credit history, accepting those with past defaults, CCJs or bankruptcies. It offers the same six month 0% period on balance transfers, giving you a short-term break from interest which you should use to clear the card, if you can.

Need-to-knows
  • After the 0%, the rate jumps to a huge 34.9% APR so clear it by then or transfer again. If you have a poor credit score it can jump even higher – up to a max to 59.9%.
  • Credit limits are low, starting between £250 and £1,200.
  • You still have to pass a credit check. CCJs must be more than a year old, and you must not have been registered bankrupt in the past 18mths or have bankruptcy proceedings against you.
  • Marbles (eligibility calc / apply*), issued by the same provider as Aqua, offers a card with 0% for five months for a 3% fee (up to 69.95% APR after) – just one month less than this Aqua card.
  • You won't be eligible for the card if you've had an Aqua or Marbles card within the last year.
  • Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.
  • Don't spend/withdraw cash on this card. It usually isn't at the cheap rate and cash withdrawals hit your credit file.
Eligibility Calculator
(MSE's free tool)
APPLY*
(at lender site)

Protect your credit score and check chances of getting card

Stats box
  • Balance transfer length & fee: 6 months 0%, 3% fee (min £3)
  • Min payment: Greater of 1% of balance plus interest, or £5 | Min balance transfer amount: £100
  • Min income: N/A | Card issuer: Mastercard | 0% balance transfer time limit: N/A
  • Rate: 34.9% representative APR (see Official APR Examples)
Key questions

How do I use this card best? In a perfect world, you'd shift all your debts to it, repay in six months and be debt-free. Yet if your debts are too big, that may not be possible. So, here's the best way to use it:

  • Shift as much debt as possible from the card(s) you have with the highest APR.
  • Use the 0% period on this card to pay as much off as possible, so that when it hits 34.9% you've little debt left.
  • After the 0% ends, if you shifted it from a card with a lower APR than this 34.9%, try to shift the remainder back on to the original card. There should be room if you've not spent on it – see the credit card shuffle. If you can't shift back, then try to pay this card off as quickly as possible.

What happens when the deal ends?
This is only a short-term deal so ensure you diarise the end date and check to see if you can transfer the balance to another card then, if you still owe cash.

This will be easier if you make sure you always make the minimum repayments – if you don't, you may lose the deal anyway and have little chance of a new deal if your credit rating takes another hit.

Can I spend on the card?
All spending is at the huge 34.9% representative APR from day one – AVOID LIKE THE PLAGUE.

Cashback sites may pay you for signing up

As an extra boon, members of specialist cashback websites can be paid when they sign up to some financial products. Do check that it's exactly the same deal though, as terms can be different. And remember the cashback is never 100% guaranteed until it's in your account. 

Full help to take advantage of this and pros and cons in our Top Cashback Sites guide.

Balance transfer calculator Which card is cheapest for you?

Choosing your balance transfer weapon's more complicated than it used to be.

The aim should still always be to repay within the interest-free time, or switch after that to another 0% deal if you haven't repaid. However, if you can't, don't automatically jump for a long-term deal, as it may not be cheapest.

This calculator gives you an indication of which card might be cheapest, based on your debt and likely repayments. However, do note that not every card above is included within the tool.

What's the cheapest card? Quick tool compares cost and length of using top deals

£1500
£0 £10,000
£100
£0 £1,000

Be careful, this is just an ESTIMATE

The calculator estimates total costs and interest, yet it makes some assumptions.

  • It assumes repayments are fixed: If not, be safe and pick the min you'll repay in a month.
  • It assumes you won't spend on the card: As this isn't usually at the 0% rate, so avoid.
  • It assumes you pay the representative APR when the 0% ends: If your input monthly payment won't clear the debt before the end of the 0%, the tool adds interest for the remaining time.
  • Not all cards are included

Caution, this is an ESTIMATE. See assumptions.


Last Updated: March 2018

Balance transfers Q&A

  • How do I actually do a balance transfer?

  • Is there any way to know what deal I will get before I apply?

  • Will credit scoring affect the deal I get and my credit limit?

  • Does a lower interest rate mean I pay less each month?

  • How much should I pay off each month?

  • If a lower interest rate doesn't mean I pay less, why bother?

  • What if the credit limit I get isn't high enough?

  • Will transferring a balance close my old card for me?

  • Should I cancel my old card?

  • How many times can I balance-transfer?

  • Can I balance-transfer from multiple cards to one card?

  • Can I transfer my partner's debt onto my 0% card?

  • Can I do a balance transfer from an Amex card?

  • Does withdrawing cash on a credit card affect my credit score?

  • At what point during tarting should I apply for a new card?

  • Will card tarting hurt my credit score?

  • What sort of balance transfer offer could I get on my existing cards?

  • What if my card's got a 0% spending deal?

  • Is the balance transfer fee interest-free as well?

  • Which cards give the best limits?

  • Why did it reject me? I've got a great credit score!

  • Why did it give me a different card to the one I applied for?

  • My question hasn't been answered yet, what should I do?

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