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With a balance transfer deal, you get a new credit card and it repays the debts on your existing credit and store cards for you, so you now owe money to the new card instead.

My travel-hacking, part-time-mechanical-engineering, credit card afficionado friend Brandon Cronan keeps his eye on the changing and competitive credit card landscape and keeps his latest recommendation on the following page, which we host on the “cardratings” website. Money Mustache Credit Card Recommendations now at On that page, you’ll find a list of our favorite credit cards for travel hacking, as well as Brandon’s commentary on strategies.The balance-transfer eligibility checker at moneysavingexpert.com/BTeligibility tells you your odds of getting each card – which substantially reduces the risk of rejection, and also includes some easier-to-get deals.It does this by running a “soft” search (the type lenders should use but don’t).But the difference between what’s on offer now compared with pre-financial crisis is telling: back then, the record longest 0pc balance transfer was 15 months, now it’s nearly double that.If you’ve got existing debt on credit cards – it’s time to act.Go ahead and click on any titles that intrigue you, and I hope to see you around here more often.