Banks rein in balance 移転 credit card 条件, cutting 利益／興味-解放する／自由な periods and 引き上げ（る）ing 料金s on 0% 取引，協定s as 関心s rise over bad 負債s

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Banks are reining in the 条件 on their 0 per cent balance 移転 credit cards, cutting 利益／興味-解放する／自由な periods and 引き上げ（る）ing 料金s.?

Last week, Halifax 削減（する） its longest balance 移転 称する，呼ぶ／期間／用語 from 29 months to 25 months, Tesco Bank 減ずるd its 取引，協定 from 30 to 27 months and Virgin Money 減ずるd the 称する，呼ぶ／期間／用語 on its longest 取引，協定 from 31 to 29 months.

A balance 移転 credit card 許すs people to 支払う／賃金 off 負債s by transferring everything they 借りがある over to a new card.

This means they 支払う／賃金 利益／興味 on one account rather than several, but balance 移転 cards also often come with the 約束 of 0 per cent 利益／興味 for a 直す／買収する，八百長をするd period of time.

強化するing up: The 普通の／平均（する） 利益／興味 解放する／自由な period on a balance 移転 credit card has fallen over the past year

The 普通の／平均（する） 利益／興味-解放する／自由な period on a balance 移転 credit card has fallen over the pas t year, whilst the 普通の／平均（する） balance 移転 料金 has been rising, によれば Moneyfacts data.

The 普通の／平均（する） 0 per cent balance 移転 称する，呼ぶ／期間／用語 on credit cards has fallen from a high of 613 days in June last year to 554 days as of today.

一方／合間, the 普通の／平均（する） balance 移転 料金 has risen from 1.89 per cent a year ago to 2.28 per cent today, meaning the cost of transferring the 負債 has risen.

For example, someone transferring £5,000 this time last year will have typically 直面するd £94.50 in 料金s on 普通の／平均（する）. Today it will cost them £114.

Andrew Hagger, a personal 財政／金融 専門家 at MoneyComms believes it 示唆するs that 貸す人s may be 関心d about a ぼんやり現れるing c redit 危機.

'It could be part of a 強化するing up of credit 戦略 from 貸す人s,' says Hagger. 'They will no 疑問 have one 注目する，もくろむ on rising bad 負債s on the horizon as the credit 危機 衝撃s 顧客s' ability to keep their 財政／金融s in order.

'If you're looking to switch a balance to a new card and your credit 率ing is in good nick then it may be 価値（がある） making your move sooner rather than later before the attractive 無 per cent 取引，協定s are trimmed その上の.'

Those who do 移転 money across to one of these cards will also need to make sure they 支払う／賃金 it off in time or 潜在的に 危険 直面するing higher 利益／興味 率s.

Over the past year, the 普通の／平均（する） 購入（する） APR on a balance 移転 card has also risen, によれば Moneyfacts, from 26.7 per cent to 31.2 per cent.

> Best credit cards 率d: 最高の，を越す 取引，協定s for cashback, （疑いを）晴らすing 負債 and points

The 普通の／平均（する） balance 移転 料金 has risen from 1.89 per cent a year ago to 2.28 per cent today.

What are the best balance 移転 credit cards?

NatWest and RBS both 現在／一般に 申し込む／申し出 the longest balance 移転 取引，協定s, giving 適格の 顧客s a 可能性のある 30-month 0 per cent balance 移転 period.

There is also 0 per cent 利益／興味 on 購入（する）s for 3 months from account 開始 and no 月毎の account 料金.

However, there is a 移転 料金 of 2.99 per cent and the 最小限 移転 you can make is £100.

NatWest and RBS also 申し込む／申し出 the longest 料金-解放する／自由な 選択, 申し込む／申し出ing 0 per cent 利益／興味 on balance 移転s for up to 19 months.

The 最小限 balance 移転 量 is also £100. Balances 移転s must be made within 3 months of account 開始.

Is a balance 移転 card 権利 for you?

For those able to （疑いを）晴らす their 負債s within a couple of months, a balance 移転 card may not be the best 選択.

Balance 移転 cards rarely come with any 付加 perks such as cashback or rewards, for example.

Anyone looking for a credit card to reward their everyday spending or to give points to put に向かって their next flight, for example, will probably want to choose a different card.?

However, for those with a large 量 of credit card 負債, a balance 移転 取引，協定 could be a no-brainer.

They can usually 移転 up to 90 or 95 per cent of their new card's credit 限界, which will 限界 the 量 of 負債 they can 強固にする／合併する／制圧する, but it could still be worthwhile in any 事例／患者.

Will you need a good credit 得点する／非難する／２０ to get one?

A person's credit 得点する／非難する／２０ will likely 決定する the balance 移転 取引，協定s they are 適格の for.

Without a very good credit 得点する／非難する／２０, card issuers may still 認可する someone but 申し込む／申し出 a shorter 0 per cent 取引，協定.

It may be that someone with a poor credit 率ing will not 適格の for 取引，協定s 申し込む／申し出d by mainstream providers.

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