my barclaycard c/c @ 27.9% has a balance £13351.58, which is the best c/c to use to transfer it onto a cheaper apr rate

Hi, stickyfingers and welcome.

I really feel for you having that credit card balance at that rate. They just suck money out of people who can least afford it!

They're not as prolific as they once were, but I think there are still some cards offering 0% on balance transfers for X number of months. I suggest you visit moneysavingexpert.com where there is lots of useful information on this, or just compare credit cards on any price comparison site.

If you manage to get a 0% deal, still keep paying the same amount off every month, even though your minimum payment will go down. This will greatly reduce the amount you pay in the long term.

Good luck.

Hi Stickyfingers,

Below is a link to the 0% credit cards on this website:
http://www.money.co.uk/credit-cards/balance-transfers-credit-cards.htm

Barclaycard are currently offering the longest 0% offer at 17months, just make sure you meet the requirements before you apply as they are a little stricter than other cards.

As you have quite a substantial balance you may want to go for a lifetime transfer card instead - it won't be 0% (more likely between 7-12%) but you won't have to pay a transfer fee in most cases and that rate is for the life of the card.

Here's a link: http://www.money.co.uk/credit-cards/lifetime-balance-transfer-credit-cards.htm

Best of luck whichever you decide to go for!

Hi Stickyfingers and welcome to Money.co.uk

If this question truly comes under the heading of 'financial assistance', and you are struggling to maintain this formidable credit card debt, then I would not be thinking about simply moving it around to reduce the interest rate ( if indeed anyone is prepared to issue you further borrowing at such a high credit limit ), but I would perhaps suggest you book an appointment with a money advisor at your local Citizens Advice Bureau and take this debt, along with any other money worries you may have, and ask for help and budgetting advice. I say this because my twenty years of dealing with debt suggests that a credit card debt of that level indicates a cashflow problem rather than simply needing a cheaper card.

The CAB would be totally objective about your overall situation and may well negotiate with Barclaycard to reduce the rate or even freeze the debt with no further interest and agree achievable repayments. If you don't ask, you don't get!

I don't think transferring the money to another card is the solution. You must be paying a fair bit in repayments - maybe you need to get a loan to clear it quicker without any further interest being added to it.
I think Snoopys advice below is well worth taking a look at. I hope you can get sort yourself sorted out. We had debts of over 4k which thankfully will be paid off in May - i cant wait. I'm hoping to save the money to get some money behind us so this doesnt happen again.
Good luck.

Hi there. Back in July I had debts of over £18000, called Churchwood and am now paying back £250 a month instead of £700 or £800 a month. One of those debts was Barclaycard. It sounds to me like you need a debt service as I did, and not another credit card. It is highly unlikely that any credit company will give you such a large limit.