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Coming off the boil from particularly long durations, the best balance transfer deal for those who need as much time as they can get their hands on to repay is currently, yet again, from Sainsbury's.

The grocer's 0% 37 month deal carries a 1.98% transfer fee as well as nectar points.

No matter what your circumstances, credit card preferences or spending plans, the golden rules are to be realistic about what you can afford to spend and ultimately repay, be disciplined about repayments by setting up a direct debit every month, and remember that credit card providers are out to make money, not solve your financial problems for you.

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.

The watchwords here are ‘paid off’ though, and if you think it’s unlikely that you’d clear the debts even over two and a half years, you are probably better off seeking out the best long term low rate deal, currently for purchases in the first three months up to £125, up to 1% after that when you spend up to £10,000 and 1.25% when you spend more than that.

With full access to your credit history from each bureau, you’ll have a complete, comprehensive look at your credit activity.

The annual free credit report that you get from the major credit bureaus is different from the free credit report card that Credit Sesame provides its users.

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