UK Credit Cards
What Happens When a 0% Credit Card Deal Ends in the UK (and What to Do)
The revert rate applies to the whole balance the day the offer stops, and the minimum payment jumps with it.
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- What changes
- Revert APR on the full balance
- Typical revert APR
- 20%-25% representative
- Notice
- Provider writes before it ends
- Best action
- Move or clear it 60 days early
There is no taper
The full balance starts costing revert interest immediately. On 7,000 pounds at 22% that is around 128 pounds a month added, on top of a minimum payment that also rises.
The provider must warn you
A notice arrives before the deal ends. Treat that letter as the deadline and act on it the week it arrives, not the week before expiry.
Move it, do not coast
Another transfer or a fixed-rate loan both beat revert interest. If neither is available, prioritise the card above every other debt.
Do not close it in a panic
Closing the card lowers your available credit and pushes up utilisation. Transfer the balance and keep the account open with a small recurring cost.
FAQ
Will my minimum payment rise?▾
Yes, it recalculates against the revert interest.
Can the deal end early?▾
On a missed payment, often yes.
Is it worth clearing before the end?▾
Always cheaper than revert interest.
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