The M&S credit card* offers Accepted cardholders will definitely get the full 32 months 0%, unlike some of the other cards which could accept you then offer fewer interest-free months.
Those who apply by Wed 31 May and transfer at least £100 by Fri 30 Jun will also get £25 cashback, so if your transfering less than £2,500 you will make profit!#
If you only have £100 to trasfer it will cost you a £1 and the other £24 will pay off you debt and you'll have 32 months again
*You also get 6 months on purchases so all in all not a bad card tbh
# Not technically but will reduce your balance
To get the £25 cashback, apply for the card by Wed 31 May and balance transfer at least £100 by Fri 30 Jun.
The cashback will be credited to your account no later than Mon 31 July.
You won't be eligible for the cashback if you already hold an M&S credit card or have done within the last year.
If you're accepted for the card you'll definitely get the full 32 months at 0%.
After your 0% deal ends, you'll pay 18.9% interest a year on any balance transfer debt left over.
You need to transfer the balance within 90 days, or you won't get the 0% period.
Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.
Don't spend/withdraw cash on this card. It usually isn't at the cheap rate and cash withdrawals hit your credit file.