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If however, your debt is large and you are looking at a period of years before you will have paid it off, the best bet is to consider a UK Credit Card offering a Lifetime Balance Transfer Rate. The rate will be higher, but it will work out better for you in the long term, because your debt is over a wider timeframe. There are credit card rates on offer for as low as 5.9%. An Introductory Balance Transfer credit card is very useful if you have an existing debt you wish to move over to your new card. Many Introductory Balance Transfer cards also offer zero percent on new purchases for a limited period as well. This could allow you to re-structure your finances in a number of ways. By moving a balance over to capitalise on your introductory rate you  would of course have re-structured your finances, but it is only a short period of time. The main factor therefore to consider here is the length of time you will remain in debt as once the fixed period is over, all new debt normally moves to the standard variable interest rate.
                              The question you need to ask yourself when considering a credit card of this type is; "other than transferring a balance, what other features and benefits am I looking for"? As you can see from our table above, there is a great deal of choice as far as the other features you may be looking for are concerned. Here at Compare Credit Card we do also offer help and information on choosing a credit card, so if you need more clarification, click on the button to your left called "UK Credit Card Info".