In the instance of Virgin they offer zero per cent for different amounts of time depending on where you enquire.  On one site a new cardholder can get no interest on balance transfers and no transfer fees for nine months.  Then the APR goes up to about sixteen per cent.

The second offer for this card gives cardholders sixteen months of no interest on balance transfers, but they charge a 2.98% transfer fee.  While not paying a transfer fee may seem like the logical choice people must think about the time it will take them to pay off the debt.

If it can’t be paid off in the nine month period it may be wiser to pay a transfer fee for the longer no interest period.  It could in the end work out to be a better way to reduce or eliminate the debt altogether.  Checking many different credit cards that offer no interest will be the best way to make an informed choice.