Hi,

I'm going to sound like a complete novice here, but seeing as I am one there's no harm in it.

I am coming to the end of a Balance Transfer deal with Virgin and have £3,500 left to pay off.  My problem is that I don't know how to calculate actual repayments when looking at the deals out there.  When a card offers 5.9% on Balance Transfer until its paid off, how much do I end up paying, and will it work out more than the 3% transfer fee with 0% other credit card offer.  Can someone shed some light for me, please!
 
Thanks...