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APR is the interest rate calculated across the lifetime of your agreement, including any fees (total cost of credit).
A balance transfer is when you move an unpaid balance from one credit card to another, typically in order to pay it off at a lower interest rate.The Co-operative Bank reserves the right to decline any application.Whether we can offer you credit depends on your circumstances and our lending policy.We may decline your application based on your circumstances or our lending policy.We may be able to offer a product that's different to the ones advertised.When you do a balance transfer, you effectively use one credit card to fully or partially pay off the other.
We may charge you a fee for doing a balance transfer.
You pay interest for borrowing money on a credit card.
0% interest per annum for 4 months on purchases from account opening.
This reverts to 18.0% interest per annum after 4 months.
0% interest per annum for 24 months on balance transfers.
This reverts to 18.0% interest per annum after 24 months.