I currently have a Mogan Stanley credit card with a 1k balance. To keep my custom they gave a deal of 3.9% APR which is ending in June. I have been accepted for a Virgin credit card but I am now thinking the savings aren't really worth it. I will have the balance paid off in 3 months on my MS card and if I stick with MS (who I like) I will avoid the 2% balance transfer charge that Virgin want. I think MS's standard rate for a balance transfer is 15.9%. Could someone do the figures for me please.
TIA.
James