druros:I've checked into what Lloyds can offer and it's a 12mth 0% rate but with a 3% fee as well as a minimum spend of £100 on the card within the first three months of opening the account (in order to get the 0% rate). Better deals out there I think.!

Easy ways to get round that are to spend whatever you need to off that instead of wherever your money normally comes out for (bank account etc) for your day to day essentials and then make the BT...the BT only has to be made in 90 days of account opening so you can get round it. And there is usually a 3 or 6 month purchases offer with those cards too.

Once the balance is transferred, you could even return the item you paid 100 pounds for if you want...they won't revoke the BT T&C.

moneysavvy:Try e mailing or phoning the credit card companies and ask what their rules are, regarding re-applying for a card. I think virgin offer the longest 0% rate for - worth remembering when they all apply around a 3% rate anyway.

Some go down to about 2.5% but the length is only about 9 months...i think Abbey offers 15 months too:

http://www.abbey.com/csgs/Satellite?canal=CABBEYCOM&cid=1210607177336&cidAgrup=845616358929450&empr=Abbeycom&leng=en_GB&pagename=Abbeycom%2FPage%2FWC_ACOM_TemplateW2&posSel=1

The Santander card, not the zero one, but it can only be applied for on the phone.

Obviously there may be further small print, i.e if you have transferred the debt of the card you previously had when you consolidated your debts, you may not be able to re-transfer that money back onto one of their cards if they catch you out!

Off the top of my head, i know Barclaycard allow you to apply for another card immedietly, so long as its a different card...not the same credit card (or the same credit card in 6 months).

Their platinum card offers 12 months at zero% but only has a 2.5% fee, so if you can handle it in a year, that has one of the lower handling fees:

http://www.barclaycard.co.uk/personal-home/cards/platinum-hero/index.html

They also have a long term BT rate of 6.3% for 3 years if you want that and there's no fee with that.

The flexi-rate card has 1.7% (same as MBNA's platinum plus) but that s only for 9 months, so its getting a shorter and shorter time, the lower the rate.

Their simplicity card has no fee for BT's too, 6.8% for the life of the transfer:

http://www.barclaycard.co.uk/personal-home/cards/simplicity/index.html

Have a look see what you like and could possibly get approved for, Barclays has a system which checks first and gives you a rough idea:

https://letmechoose.barclaycard.co.uk/

(I should make a thread on that seperatey i think).

druros:

I took out a consolidation loan back in January this year to clear a fair amount of credit card debt, but unfortunately I couldn't borrow enough to pay off all my cards. Therefore, I took out an Egg card to transfer the remaining debt - which has a 0% rate until December this year. When I took out the consolidation loan I closed all my credit card accounts but I would now like to get another credit card offering a 0% balance transfer rate. My question: Is there a set amount of time I need to wait until I can re-apply for a credit card that I used to hold an account with (i.e. Virgin, Barclaycard etc)? When I closed my Virgin account I was told by them I couldn't re-apply for another 9mths, but reading some advice sites (Martin Lewis) it advises against applying for 18mths. I don't want to start damaging my credit rating (which is apparantly good - I've never missed a payment and always pay more than the minimum amount without spending on it either) applying for cards "left, right and centre" and getting refused. My credit card debt will be totally clear come next June anyway (due to some very stringent budgeting and life-style changes I made), but I would obviously like to avoid paying interest on this remaining debt. Any help/advice would be appreciated. Thanks.

Depends on the lender really, but with some companies it can be a limit per re-application to the company and some for the specific card, you really need to check with each indivual lender you have had that you may wish to re-apply with.

I've checked into what Lloyds can offer and it's a 12mth 0% rate but with a 3% fee as well as a minimum spend of £100 on the card within the first three months of opening the account (in order to get the 0% rate). Better deals out there I think.!

Try e mailing or phoning the credit card companies and ask what their rules are, regarding re-applying for a card. I think virgin offer the longest 0% rate for - worth remembering when they all apply around a 3% rate anyway.

With regards to going with Egg, it was a case of getting the best deal at the time.I used to have a credit card with my bank (Lloyds) but cancelled that too. I hadn't thought about contacting them as I'm not sure if they can offer such a good deal compared to others. However, I will see what they have to offer. Thanks.

Have you thought about your bank? Some of them have good deals on credit cards. Don't know why you're with Egg, i made the mistake of going with them years ago, their interest rate is horrible once the 0% runs out!

I took out a consolidation loan back in January this year to clear a fair amount of credit card debt, but unfortunately I couldn't borrow enough to pay off all my cards. Therefore, I took out an Egg card to transfer the remaining debt - which has a 0% rate until December this year. When I took out the consolidation loan I closed all my credit card accounts but I would now like to get another credit card offering a 0% balance transfer rate. My question: Is there a set amount of time I need to wait until I can re-apply for a credit card that I used to hold an account with (i.e. Virgin, Barclaycard etc)? When I closed my Virgin account I was told by them I couldn't re-apply for another 9mths, but reading some advice sites (Martin Lewis) it advises against applying for 18mths. I don't want to start damaging my credit rating (which is apparantly good - I've never missed a payment and always pay more than the minimum amount without spending on it either) applying for cards "left, right and centre" and getting refused. My credit card debt will be totally clear come next June anyway (due to some very stringent budgeting and life-style changes I made), but I would obviously like to avoid paying interest on this remaining debt. Any help/advice would be appreciated. Thanks.