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A balance transfer lets you move a balance from an existing credit card or selected store cards to another card with a different provider.
Here are the benefits and some important points to consider.
Remember to keep making all your regular card payments until your balance transfer has been confirmed by both credit card providers.
Find out what you need to move a balance to your Lloyds credit card.
See if you have any balance transfer offers available.
We’ve simplified this example. It uses a promotional 0% balance transfer rate that lasts for 12 months.
If we approve your balance transfer, it should arrive on the next working day. You can’t cancel a balance transfer and we can’t refund any fees.
Before you apply for a new offer, it’s always worth checking which one you’ll be paying off first. When you make a payment, we’ll pay off what you owe in this order:
Find out more about balances and what your payments go towards.
On your PDF or paper statement, there’s a breakdown of your balance and the interest rates that apply.
If you have a balance transfer promotional or introductory interest rate, you’ll find the expiry dates in there.
If you need to increase your credit limit to transfer any balances, the simplest way to apply for this is online. Or you can give us a call.