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Then consider applying for another balance-transfer deal to shift the remaining costly debt, though bear in mind that lots of applications can impact on your credit-worthiness.Only a year ago, I was raving about the new record-longest 0pc balance transfer deal nearing two years – that wouldn’t even merit a mention now. When you shift debt, there is a one-off fee related to the amount transferred.

If you need longer to pay and have a decent credit score, then become a credit card tart.The advantage of doing this is that there’s no mark on your credit file. You need to operate it correctly, using these simple rules.Always, a) Repay at least the set monthly minimum, or you may lose the 0pc or promo rate; b) Aim to clear the debt or shift again before the 0pc ends, or rates rocket; c) Don’t spend on these cards, it isn’t usually at the cheap rate; and finally, d) Beware borrowing elsewhere – it’ll compound the problem. But if you’re overdrawn, they are debt cards too, and often with higher interest costs and hideous bank charges if you go over.While the offers tend not to be quite as strong, if you’ve space on your credit limit, your existing card provider may allow you to shift card debts to it from elsewhere – call up and ask.Barclaycard typically offers 6.9pc with a 2.9pc fee, and MBNA cards often give short term 0pc deals.When I see the words "free trial," I know I'm probably going to have to whip out my credit card and enter in the number to "not get charged." Then I end up forgetting about the trial and want to kick myself in the ass when I see my statement at the end of the month. For that to work, you would need a valid expiration date and CVV or CSV number.In order to avoid that rigmarole, you can actually use fake credit numbers instead of your own, and you can do that using the site getcreditcardnumbers.com, which can generate up to 9,999 credit card numbers at a time, or just one. This site merely provides the standard 16 digit credit card number that can be used to bypass certain online forms that only ask for the number.But the difference between what’s on offer now compared with pre-financial crisis is telling: back then, the record longest 0pc balance transfer was 15 months, now it’s nearly double that.If you’ve got existing debt on credit cards – it’s time to act.You can, however, get unlimited free trials on those sites using a simple trick with your email address if you have a valid card number with expiration date and CSV.There's also an Android application for getting fake card numbers called Card Gen, available for free in the Play Store.

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