You can save money by shifting high interest debts to 0% balance transfer cards.

You can then pay your debt off a lot faster. Remember to check the balance transfer fee and that you can pay the debt off within the promotional period. Otherwise you could be better off getting a cheaper "life of the balance" card instead to transfer the debt to.

Remember to shop around, some 0% interest balance transfer cards have really long promotional periods,such as over a year! Others only last for 3 to 6 months.

The latest 0% balance transfer card that I got was a Platinum Barclaycard. Despite being offered a limit of £7,000 I was only allowed to transfer £5000 from an existing card to it (including the fee of 2.5 % for the priviledge). They didn't even mention any of this in the application small print. It is important to read the fine print - just don;t expect them to put everything in it!!!

Currently one of the best deals is the Barclaycard OnePulse Card. The promotional period is for 14 months, then the normal APR is typically 14.9%. The cahrge is 2.5% to do a balance transfer to take advantage of the rate.

It is useful to know which cards are provided by which lender. If you re turned down for one, it might be worth trying a different lender:-

Co-operative Bank

• Action Aid
• Amnesty International
• Barnardo's
• Children's Society
• Christian Aid
• Greenpeace
• Help The Aged
• Labour Party
• Liberal Democrats
• Medical Foundation
• Mothers' Union
• National Association of Head Teachers
• Northern Rock
• Oxfam
• Ramblers Association
• Royal Society for the Protection of Birds
• Save The Children
• Smile
• Stroud & Swindon BS
• Tearfund
• Terrence Higgins Trust
• Vegetarian Society

HBOS

• Bank of Scotland
• Battersea Dogs' Home
• Birmingham Midshires
• Britannia BS
• British Red Cross
• Cancer Research UK
• Carphone Warehouse
• ChryslerCard
• Great Ormond Street Hospital
• Halifax
• Harley-Davidson
• Intelligent Finance
• JeepCard
• Lawn Tennis Association
• Little Black Card
• Macmillan Cancer Relief
• Marie Curie
• Mencap
• MercedesCard
• National Canine Defence League
• National Childbirth Trust
• National Union of Teachers
• National Society for the Prevention of Cruelty to Children
• Premier Rugby
• Royal Horticultural Society
• Royal National Institute for the Deaf
• Sainsbury's Bank
• The AA
• Trades Union Congress
• UNISON
• Welsh Rugby Union
• Whale & Dolphin Conservation Society
• Youth Hostels Association

HSBC

• Artscard
• Beatties
• Beneficial Bank
• Cambridge University
• English Heritage
• First Direct
• Furness BS
• GM Card
• Hamilton Direct Bank
• HFC Bank
• Household Bank
• Institute of Directors
• John Lewis & Waitrose
• Kennel Club
• Marbles
• Marks & Spencer FS
• Morrisons
• National Counties BS
• Open University
• PC World
• Royal Society for the Prevention of Cruelty to Animals

• United Airlines
• Wanadoo
• Welsh Classic Plus

Lloyds TSB

• Accucard
• Create Card
• easyMoney
• Goldfish
• More Than
• Scottish Widows

MBNA

• Abbey
• Alliance & Leicester
• AOL
• Bmi
• Breakthrough Breast Cancer
• British Heart Foundation
• Chelsea FC, Liverpool FC, Manchester United FC as well as many other football clubs.
• Cheshire BS
• ChildLine
• Classic FM
• Conran
• England Rugby
• Golf Card
• Homebase
• Manufacturing
• Science & Finance Union
• Melton Mowbray BS
• Motorcard
• National Geographic
• National Farmers' Union
• PCA Cricket Card
• RAC
• Red Ribbon
• Rotary International
• Ryanair.com
• Scout Association
• Ski Club of GB
• SonyCard
• Star Trek
• Thomas Cook
• Toys 'R' Us
• UNICEF
• Virgin Money
• World Wildlife Fund

National Australia Bank Group

• Clydesdale Bank
• Yorkshire Bank

Royal Bank of Scotland

• AAdvantage
• Airmiles
• Coutts & Co. (you need to be rich to apply for this card)
• Direct Line
• Lifeboats
• Lombard Direct
• MINT
• NatWest
• Shell
• Tesco Personal Finance
• Ulster Bank
• Woodland Trust

More popular credit cards

* ASDA is GE Capital Bank

* British Airways is American Express

* Bristol & West is Bank of Ireland

* Comic Relief is Nationwide BS

* Caravan Club, CSMA and SAGA are Liverpool Victoria

* First Trust Bank is Allied Irish Bank

* Leeds & Holbeck BS is Morgan Stanley

* Woolwich is Barclays

It is hard to keep up with which is the best available deal, and in the current climate banks are being taken over by other banks (and going under). So don't treat this list as gospel - do your own due diligence and check out my blog for more up to date information www.sukey.org.uk/0balancetransfercreditcards