0% finance thread

That's the thing though- I don't have a balance to transfer as I pay it off every month, I just want a low APR "just in case".

I suppose I could just get a new card with a low APR, but I'd prefer to say teh magic phrase to HSBC that would get them to respond "gosh we've been silly, we meant 9% not 29%, we'll adjust the settings on your account now".

But if you transfer your balance to a new card you could be paying 0% on that sum for say 12 months. Then repeat.