Latest weekly email: Must-read if you pay interest on credit card debt

A 0% balance transfer is where you get a new card that pays off debts on existing cards for you, so you now owe it but at no interest. That way, more of your repayments clear the actual debt, rather than service the interest, getting you debt-free quicker. Before we get to the 0% best buys, four need-to-knows...

1. Find which top card's most likely to accept you via our eligibility calc. It shows your odds of getting each card before applying, minimising applications to protect your credit score.

2. Go for the lowest fee with a 0% period long enough to clear the debt. Longer balance transfers usually have a bigger one-off fee, so if you can go shorter, it's cheaper. Unsure? Play safe & go long.

3. If a card is an 'up to', check the 'backup' rate. With up-to cards, some accepted customers can get worse deals. Unless the eligibility calc says you're pre-approved - so you get the headline deal - beware cards with a poor backup rate (the alternative rate some are given).

4. Usually rejected when you apply? It's worth looking at the poor credit scorers' deals below and remember MSE's free Credit Club (available via the MSE App on Apple | Android) can analyse the problem, plus you can also access our eligibility calc there.

Top-pick newbies' 0% balance transfers All links via eligibility calc (at providers' request)
HSBC Up to 32mths 0% (3.49% fee) 24.9% rep APR after 0% ends	Joint longest 0% & strong backup rate As it's an 'up to', not everyone gets the headline deal, yet at least here the backup rate is still decent, so if you got it you'd still be doing pretty well. - Headline rate: 32mths 0% (3.49% fee) - Backup rate: 26mths 0% (3.49% fee) If you're pre-approved in our eligibility calc, you'll definitely get the full 32mths 0%.
MBNA Up to 32mths 0% (3.2% fee) 24.9% rep APR after the 0% ends	Joint longest 0% The same headline 0% period as HSBC with a slightly lower fee, but a far worse backup rate. - Headline rate: 32mths 0% (3.2% fee) - Backup rate: 14mths 0% (3.49% fee) However, go via our eligibility calc and, if eligible, you'll be pre-approved, and it'll tell you which rate you'll get. The headline deal's worth it, but with the backup, you'd probably do better elsewhere.
Barclaycard Up to 32mths 0% (3.45% fee) 24.9% rep APR after the 0% ends	Joint longest 0%, but higher fee While the backup rate's marginally better than MBNA, the fee on the headline rate's worse. - Headline rate: 32mths 0% (3.45% fee) - Backup rate: 16mths 0% (3.45% fee) If you're pre-approved in our eligibility calc, you'll definitely get the full 32mths. If not, Barclaycard says about 20% of those accepted get the backup rate.
Tesco DEFINITE 30mths 0% (2.95% fee) 24.9% rep APR after the 0% ends	Longest DEFINITE length 0% & lower fee This card has a materially lower fee than the other long ones. So if you can clear within 30mths, it's cheaper. Plus, crucially, everyone accepted gets the full 30mths 0%. - Headline rate: 30mths 0% (2.95% fee) So if you're not pre-approved for the others and have good odds here, it's likely a decent choice.
Tesco DEFINITE 18mths 0% (0.99% fee) 24.9% rep APR after the 0% ends	Low-fee DEFINITE length 0% If you can repay quite a bit quicker, this 18mth card is in a sweet spot, as it's still pretty long but the fee is just £10 per £1,000 shifted. All accepted get the full 18mths. - Headline rate: 18mths 0% (0.99% fee)
Barclaycard Up to 14mths 0% (NO FEE) 24.9% rep APR after the 0% ends	Longest NO-FEE 0% If you can repay quickly, this is a winner, as there's no cost at all. Yet the backup rate is substantially shorter. - Headline rate: 14mths 0% NO FEE - Backup rate: 7mths 0% NO FEE If you're pre-approved in our eligibility calc, you'll definitely get the full 14mths. If not, Barclaycard says about 20% of those accepted get the backup rate, so you may be safest going for the NatWest NO-FEE card with its headline 12mths and better backup of 10mths (if eligible, our eligibility calc will show you as pre-approved and will tell you which rate you'll get).

Martin: I want to explain why this table looks a little different

"I'm worried about the growth of 'up-to cards' and particularly the fact some 'backup rates' are so poor in relation to the headline. So I've redesigned the table above (a lot of playing about to get there) to make it more prominent, and I'm asking the team to gradually roll this format out across the site and eligibility calculator.

"As well as being good to help you decide (eg, the HSBC card is far more attractive than the other two joint-longest 0% cards when you factor the backup rate in), by making it overt and including it as one of the factors in our card rankings, I hope it may put pressure on providers to improve the backup rate (or, even better, do a Tesco and ditch it altogether)."

If you can't get the top cards, our eligibility calc will show alternatives, including some specifically for those with patchy credit histories. Some even accept those with past defaults or county court judgments (CCJs).

There's a big thing to watch though... The interest rate after the 0% ends could be above 34.9%, so compare that to your current rate. If your current card's lower, ONLY shift debt you're certain you can clear within the 0% period, so you're not stuck at the higher rate after. If your current card's the same or higher, shift as much as possible.

Top-pick poorer-credit 0% balance-transfer cards
Virgin Money (link goes via eligibility at Virgin's request) - DEFINITE 16mths 0% - 3% fee - 29.9% rep APR after the 0%	*Long 0% and accepts some* past credit issues.** All accepted get the full 16mths at 0%. Even if you've had CCJs or defaults, you may still be accepted if you've recent history of managing credit well, a UK bank account, and either personal income of £7,000/yr or household income of £15,000/yr (including non-salary income such as pensions).
Fluid (link goes direct, as not in our eligibility calc) - DEFINITE 9mths 0% - 3% fee - 34.9% rep APR after the 0%	Lower minimum income needed on shorter 0% period. You may still be accepted if you've been declared bankrupt, had a CCJ, or an individual voluntary arrangement (IVA) as long as it's more than 3yrs old. You need £5,000/yr min income, 12mths' UK address history & a UK bank account.

Getting the right card's just the start. Here are our golden rules...

a) NEVER miss the minimum monthly repayment. Or you can lose the 0%. Preferably pay it by Direct Debit (you can opt to pay a fixed monthly amount) so you never miss it. If you want to vary what you pay each month, for safety set up a Direct Debit for the minimum, then make manual overpayments on top of that each month.

b) Clear debt before the 0% ends. Clear it or transfer again before the 0% ends or you'll pay the representative APR, which with all these cards is at least a costly 25%.

c) Don't spend/withdraw cash on the card. It's usually at the costly APR, not the 0% rate, and it's best not to build up other debt while trying to repay what you've already got.

d) Do the transfer at application. It'll then contact the lenders and transfer the debt for you. If you don't do it then, cards normally have a 60- or 90-day time limit to do it, so check that.

So those are Martin's golden rules, and here are his answers to some of the questions he gets most often...

Should I apply if my best eligibility score's only 20%? Cutting debt costs is important (usually only trumped by a mortgage application), so go for it. While 20% odds are low, it means it's likely two in 10 who apply will succeed - it could be you. And if you're rejected, barring a minor credit file application mark, you're no worse off.
What if the credit limit they give me isn't enough? In most cases, you won't know your credit limit until after applying, though some cards in the eligibility calc will show some people a guaranteed credit limit before applying (if you've added the amount you want to transfer in to the form near the top).

If you find the limit given is too low, while it's frustrating, don't just sack the card off. The application's on your credit file, so shift as much of your highest APR debt as you can to the new card (usually you can move up to 90% of the credit limit).

Then, once done, go back to the eligibility calc to see your chances of acceptance for other providers' cards to move the rest. Though each subsequent application can get harder, especially if done quickly, as too many can indicate you're desperate for credit.
Should I pay an equal amount on every card (spoiler... NO). List all your debts in APR order from highest to lowest. Include your overdraft if you have one (as these days, overdrafts are often the most expensive form of mainstream borrowing).

Then, if possible, focus every penny of spare cash at trying to clear the debt with the highest interest rate (APR), as it's growing quickest, and just pay the minimums on all the others. Once the highest one is clear, shift focus to the next highest.

If your overdraft is the highest APR, just pay the minimums on the credit card, and let the cash sit in your bank account to reduce it, until the overdraft is gone (see Cut overdraft costs for more options).
What if the eligibility calculator says I've "no chance" for all cards? That can happen, especially for those on lower incomes or with a poor credit history (see how to improve it in MSE Credit Club).

Yet if your credit limits on existing cards aren't maxed out, try to see if you can shift debt from one card to another if it's cheaper. So if one credit card charges 18%, and has half the credit limit left, and the other card is at 30%, ask the cheaper card's firm if you can shift debt from the more expensive one to it, saving you cash. Even better, some cards also have 'existing-customer balance-transfer offers', eg, 12mths at 0%. See the credit card shuffle for how it works.

If none of these are a goer, the priorities are repaying in the right order, as explained above, and reading this section below...

The tips above are for those who can afford to meet their credit card payments and want to make them cheaper. If you can't, you'll likely need a different tack. Martin devised these three simple questions many years ago as a snap test...

1. Do you struggle to meet minimum monthly payments or pay all bills?
2. Is your total debt (not mortgage/student loan) over a year's salary?
3. Do you have sleepless nights or depression/anxiety over debt?

If you answered yes to any of these, forget balance transfers, you need a stronger intervention, so get free, one-to-one debt-counselling help from Citizens Advice, StepChange, or National Debtline. They've powers to give you breathing space on your debt, or can put you in a repayment plan or similar. While this may impact your ability to access credit, it's usually worth it to get you out of the debt hole. And if you need emotional support too, try CAP. They're there to help, not judge.

Don't feel alone, there's no stigma, you can sort this. Read inspiring stories in our Debt-free wannabe forum, and see our Mental Health & Debt and Debt crisis help guides.

DON'T believe the fake 'Martin Lewis' or 'MSE' ads
Lots of scam ads litter social media and even newspaper websites - some of these lie that we or Martin promote Bitcoin, binary trading etc. See Fake ads warning.

Bag an Amazon bargain... FIVE 'hidden' tools & tricks
'I saved £200+ on a Samsung washing machine - thanks for the tips'

Retail behemoth Amazon is tough to beat for convenience and speed, yet many of us only scratch the surface of the discounts it can offer. We've got plenty of tips and tricks in our Amazon buying guide, but today we're going to focus on the big lesser-known ways to pay less at Amazon (plus how to make sure you're getting a good deal)...

Amazon Resale: Big 50%+ discounts on often as-new returned goods.
- Quickly find bargains: Use our free Amazon Resale Discount Finder.
- Best for? Up-to-date branded electricals, kitchen appliances, laptops, lawnmowers, games, jewellery, household items.
- Consumer rights: You've got statutory rights, but might not get the manufacturer warranty.

Amazon Resale* shows and sells returned items at reduced prices. Often they're there simply because someone has changed their mind (or with minor cosmetic damage). If you're after a posh toaster for example, but can't afford the latest model, then check if Amazon Resale's knocked it down to fit your price range.

It's a favourite hack with MoneySavers such as Deborah: "I got a Samsung washing machine from Amazon Resale for a bargain price of £214 - they retail at £449, so I took a chance knowing I could send it back. It arrived with two hardly-noticeable dents on the front, it otherwise looks brand new. So I'm a very happy lady, thanks for all the tips."

So you know what you're getting, items are categorised by condition: 'acceptable', 'good', 'very good' and 'like new' (see what each grade means). And to help you on your discount quest, we've built the nifty Amazon Resale Discount Finder. Tell us what you're after, and it'll show you how much money you'd save compared with buying it new at Amazon. Bargains we found this week include (ordered by % saving):

Product	Amazon new	Amazon Resale
Monopoly Junior game for children	£36	'Like new': £16 (57% off)
Swarovski twist bangle, white, rhodium plated	£104	'Like new': £49 (53% off)
JBL Tune wireless noise-cancelling headphones	£89	'Like new': £44 (51% off)

Amazon Renewed: Used, previous-generation tech in top condition with a one-year warranty.
- Quickly find bargains: Search on Amazon Renewed*. For phones, use our Refurbed Phone Finder for a wider range.
- Best for? Slightly older tech, including phones, laptops, headphones, games consoles, smartwatches and cameras.
- Consumer rights: All have a one-year warranty on top of your statutory rights.

While Resale is mostly for current models, Renewed only sells preowned tech products that have been tested, refurbished and look like new, such as previous-generation models from Apple, Samsung and Dell. Refurbished models help the environment as well as your wallet.

Stock can be limited, but we found a Samsung Galaxy Watch Active2 for £73 (£279 new), a Dyson Ball Animal upright corded vacuum for £200 (£326 new) and a Eufy G50 robot vacuum for £110 (£140 new).
Amazon Outlet: Odds and ends, but worth a check for 15% to 70% off new overstocked items.
- Quickly find bargains: Head to Amazon Outlet* and use the search.
- Best for? Brand-new out-of-season items, such as leftover Christmas cards/gifts and lesser-known brands.
- Consumer rights: You've got statutory rights.

The Outlet has 1,000s of brand-new, excess-stock items which Amazon (or third-party sellers) are keen to shift. It's hit and miss, so the best way to think of it is like any store's end-of-sales clearance - it's a mix of funk, junk and a few things you may want to put in your trunk; we found some men's hiking trainers for £15, reduced from £40. Do check prices though - not everything's discounted, and even items that are may not be great deals. See our Amazon Outlet analysis.
Is 47% off a good deal? Check past Amazon prices with CamelCamelCamel. Amazon can play fast and loose with what a discount actually is. Is it off the recommended retail price, the normal selling price or... something else? And, if you don't know what the discount's off, is it actually a good deal? To find out, use CamelCamelCamel's price history tracking tool. For example, a Hoover upright vacuum cleaner is currently "47% off" at £149 - but the tool tells us it was £108 in June last year.
Spending £30 to £35 and not got Prime? Check if the Super Saver Delivery tool saves you cash. Usually, Amazon charges for delivery on orders of less than £35. If you're just below it, it can be cheaper to add a small extra item than pay for delivery. The Amazon free delivery tool finds suitable extras for you.

Urgent. Energy Price Cap likely to rise 5% to 7% in Apr, yet ONE cheap fix is still 6.8% less than CURRENT Cap. Almost all cheap one-year fixes have been pulled ahead of the Price Cap announcement next week. Just ONE still remains from Ecotricity, at 6.8% cheaper than current prices - and likely around 13% cheaper than the April Cap. So fixing NOW is safest. To get: Compare via Cheap Energy Club to see your saving vs current prices (note: your post-April saving will likely be far bigger).

£150 Ninja 6.2L air fryer £90 via code. MSE Blagged. 6,000 available. Six functions, eg, air fry, roast, reheat. Ninja

Martin: 'How marriage can save you up to £200k of Inheritance Tax (IHT).' Whether you're married or not, it's worth understanding - watch Martin's new marriage & IHT video, or his full ITV show: 8 hidden financial benefits of marriage.

New. 264Mb Virgin broadband '£20/mth'. MSE Blagged. Switchers in 60% of UK homes can now get this 264Mb Virgin broadband-only (no line) deal for £24.99/mth (rising to £28.49/mth in Apr 2026), with an automatic £100 bill credit, meaning it's equivalent to £20.02/mth over the 18mth contract. Want other options? Use our full broadband comparison.

New. The Compare+ Home Insurance tool - beat 19% year-on-year price hikes. Last week, we launched our new Compare+ Home Insurance tool that does many of the tricks we've long suggested you use to find your cheapest price - plus it includes the unique Price Impact Indicator. The successes are already coming in... Anne emailed: "We reduced the cost of our house insurance by over £1,000/yr with the help of the tool! Our current provider wasn't able to come close - and while it took time, we'll now pay £130/mth instead of £235/mth. Thank you MSE."

Premium Bond prize rate to fall to 3.8% in April - are they worth it? See Premium Bond analysis.

Martin: 'A perverse car insurance warning that can save you money.' Car insurance prices are down, but that doesn't mean do nothing. Watch Martin's 1min warning video, then see if you can save with our Compare+ Car Insurance tool.

£186 of beauty for £50, including Clinique, Eve Lom, Bobbi Brown etc. Seven-item beauty box, including cleanser, perfume and lipstick from popular online beauty retailer Lookfantastic.

Sub-4% mortgages are back... should you fix now? See what mortgage brokers think.

BLAGGED FOR MSE

- £150 Ninja 6.2L air fryer for £90 6,000 available
- 264Mb Virgin broadband '£20/mth' Ends Thu 27 Feb

DID YOU MISS?

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- Savings rates fall - but you can still get 5%+
- Free 100-day Tastecard: 2for1 or 25% off total bill

Warning! Phone thefts up 150% - how to protect yourself
1. 16 tips to secure your phone & data
2. Cheap mobile phone insurance from £50/yr

For many of us, our phone holds much of our life. 78,000 phones are snatched in the UK every year - and not only do victims have to cope without theirs while sorting a replacement, thieves often steal with the aim of gaining access to your personal data and banking apps. So it's crucial to protect yourself as much as you can from the financial impact of both...

1. Prevention's better than the cure - lessen your risk and secure your data BEFORE anything happens. Our 16 tips to secure your phone guide helps make you less of a target and, if your phone is nicked, can help make sure it's not easy for thieves to access your personal data. It's worth reading them all, but here's a taster...
- Set up phone finder tracking apps. These let you remotely lock or wipe the phone so it's inaccessible. See how to set one up.
- Turn off message previews. Or else thieves could see security codes without accessing your phone. Turn previews off.
- Set up a hidden folder. Here you can hide sensitive banking apps, protected by biometrics. Set up a hidden folder.
- Turn on 'stolen protection'. To lock the phone (or some features) if it detects it's been nicked. See how: Android | Apple.

2. Protect your pocket if your phone IS lost or stolen with cheap mobile insurance from £50/yr. Mobile insurance covers loss, theft and accidental damage, giving you a replacement handset, usually within days. Your options...

The cheapest cover option: Standalone insurance at £50/yr to £80/yr for phones bought in last 3yrs. While exact prices vary by handset, through our spot checks we found these four providers are usually the cheapest, while also meeting our minimum cover levels. Phones are usually replaced within a week, but timings vary, so check...

- Insurance2Go*. Plus get £10 off 'Full' cover with code 'MSE10'.
- Mobile Phone Insurance Direct*. Get 2mths free if you pay for annual 'Premium' via this link.
- Love It Cover It*. Code 'SAVE10' gets 10% off 'Premium' cover.
- Switched On*. 'Ultimate' cover.
The fast replacement option: Your network's cover, costs up to £180/yr. Here, handsets can arrive the next working day, but you can only cover new phones. Insuring an iPhone 16, say, costs £150 to £180. See network insurance.
Cover family phones + get travel & breakdown cover too: Packaged bank accounts from £138/yr. Get one of these accounts (doesn't have to be your main account), pay a monthly fee, and loads of decent quality insurance is thrown in (do register phones if possible, as it can speed up claims). In brief...

- Virgin Money Club M, £12.50/mth. Covers phones of any age for all family members living at your address, and gives worldwide family travel insurance and UK & European breakdown cover.
- Club Lloyds Silver, £11.50/mth. Covers yours & your partner's phone for £11.50/mth if it's a joint account. You also get European family travel insurance, UK breakdown cover and a 'free' 12mths of Disney+. Plus if you switch to it, you can get a free £175 (if you jump through some hoops), which covers the monthly fee for the first 15mths.
The DIY option: Self-insure - especially good for lower-cost handsets. If you rarely lose or break your phone, or have a lower-value model, rather than paying for cover, simply put cash aside into top savings.
The E.T. option: Phone, home insurance. Contents insurance often covers phones for fire or theft, and some let you pay extra for cover away from home. Yet a claim could push up renewal costs, and often replacements/payouts aren't quick.
Mobile insurance need-to-knows...
- All policies have an excess (the amount you pay towards a claim), generally between £40 and £150.
- Check your insurer's regulated by the Financial Conduct Authority (all above are), as it means...
- Insurance claim unfairly rejected? You've a right to go to the Financial Ombudsman to escalate your claim.

MARTIN'S PENSION SAVING PODCAST SPECIAL: Must-listen for anyone who has a job and earns over £10,000 (and quite a lot who earn less). Double your investment | Starting a pension | Consolidation | Workplace pensions | Children's pensions | How to get free guidance & when to get advice. And more... all in the new The Martin Lewis Podcast. Listen via BBC Sounds | Apple | Spotify or wherever you get your Martin fix.

New 'five-minute' parking shake-up takes force, yet you could still be caught out... See 5-min parking.

STOP PRESS. New cheapest loan provider - from 5.8%. If you're looking to borrow and it's NEEDED, budgeted for and affordable (don't do it otherwise), there's a new cheapest player in town. People's Choice (owned by insurer Hastings, link goes via eligibility calc) has launched a series of top rates across the board - 7.1% rep APR on up to £5,000 (next cheapest 9.7%-9.9%) | 7% rep APR on £5,000 to £6,999 (next cheapest 7.1%) | 6.5% rep APR on £7,000 to £7,500 (next cheapest 7.1%) | 5.8% rep APR on £7,500 to £25,000 (next cheapest 5.9%). Always check if you're eligible before applying; our Loans Eligibility Calc will say if you are, or show you the next best loans if not. Full info and all best buys in Cheap personal loans.

Up to 90% off preloved clothes from Zara, Boden and more. Plus extra 10% off code; items start at £2. Thrift+

The Sun '£9.50' holidays are back again... but are they really £9.50? Rarely, but savings are possible. Sun hols

Martin: 'What's the oldest version of this email you've got in your inbox?' "It's MSE's 22nd birthday soon, so I want to see who's retained the oldest weekly email. If you've got one from 2003, please forward it to MSEBirthday@moneysavingexpert.com. I'll send a bottle of fizz or similar to the oldest."

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AT A GLANCE BEST BUYS

Longest 0%: HSBC (check eligibility) up to 32mths 0%, 3.49% fee, 24.9% rep APR
No-fee 0%: Barclaycard (check eligibility) up to 14mths 0%

Free £175 + TOP service: First Direct 1st Account
Free £175 + 5% interest: Nationwide FlexDirect

Fast fibre (100Mb+): Virgin Media '£20.02/mth'
Superfast fibre (500Mb+): Sky '£28.67/mth'

On Universal Credit or similar? Check all discounted social tariffs

Car: Use our Compare+ Car Insurance tool

Home: Try our new Compare+ Home Insurance tool

£5,000 to £7,000: People's Choice (check eligibility), 7% rep APR
£7,500 to £15,000: People's Choice (check eligibility), 5.8% rep APR

Top easy-access cash ISA: Plum 5.05%, min £100
Top easy-access savings: Monument 4.75%, min £25,000
Top one-year fix: Co-op Bank 4.62%, min £1,000

Use our whole-of-market Cheap Energy Club

Up to 3GB data: Lebara, '£2.83/mth' for 3GB
4GB to 9GB data: Lebara, '£3.05/mth' for 5GB
10GB to 30GB data: iD Mobile, '£3.42/mth' for 30GB
31GB+ data: Lebara, '£4.63/mth' for 50GB

MSE NEWS

- Top story: Government intervention into car finance mis-selling blocked

MONEY MORAL DILEMMA

Should we keep our teenage son in the dark about his Child Trust Fund? We saved for our son's university education in a Child Trust Fund, which is now worth over £100,000. He turns 18 later this year, but he's recently stopped studying for his A-levels, hasn't applied to any universities and says he wants to take some time off. He's currently unaware of these savings, but we're now worried that when he is able to access the cash, he'll fritter it away. Should we tell him and try to influence his decision-making before he turns 18, or should we keep him in the dark for as long as possible to try and protect the money until he's mature enough to use it wisely? Enter the Money Moral Maze: Should we keep our son's Child Trust Fund secret? | Suggest a Money Moral Dilemma (MMD) | View past MMDs

MSE TEAM BLOG

- MSE Forum highlights: Creme Eggs, daffodils & garlic

MARTIN'S APPEARANCES (TUE 18 FEB ONWARDS)

Tue 25 Feb - This Morning, phone-in, ITV1, 10.20am
Tue 25 Feb - The Martin Lewis Money Show Live, ITV1, 8pm

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