0% Credit Cards

A question about : 0% Credit Cards

I was wondering, can anyone apply for a 0% Credit Card or do they have strict T&C's? I have one credit card with Lloyds with just under Ј2k on, however the APR is really high on it so I want to do a balance transfer to a CC with 0% or low APR.

Thanks

Best answers:

• anyone can apply. Whether you will be accepted will depend on your credit history, salary, existing debt, etc.
  There is an eligibility checker on here which will give an indication of the likelihood of acceptance without adding an extra search to your credit file.
• Definitely worth applying, I've been accepted for 2 0% cards in the last week! If you've only ever had that one card and you've never been late paying or missed any payments on anything then you'd have a good chance I reckon.
  Just make sure to check eligibility criteria, for example I couldn't apply for the long 0% Barclaycard until recently as you need to be earning at least 20,000.