You may be charged a fee for balance transfers, either a percentage of the borrowed amount or a capped figure.

 A capped amount could be right for you if you're borrowing more - but you'll also need to bear in mind how long the interest free period runs and whether you will be able to afford to pay it off in that time.Your 0% or low rate on balance transfers will either be:

• Until a certain period after the sign up date (usually three, six or nine months)
• Until a fixed date for all customers
• For the life of the balance (i.e. until you pay off its value)