Now please read carefully before commenting! This card has a £24 fee BUT importantly has NO BALANCE TRANSFER FEES and very low APR 6.9% excluding the fee. Use the calculator and you will see that this saves money at around a balance of £250 for most people at 18% APR on their current deal. The pricing is risk based but I happen to know all acceptees will get 6.9% if they are accepted until 18th May. The rate is NOT a introductory deal and will STAY low.