Help with 6.1% loan onto 0% credit card


I took out a loan with M&S bank 2 years ago (opened on 21 May 16 over 72 months) for 12,000, at 6.3% APR. I currently pay back 200 per month. (dont know outstanding balance off top of my head)

I’ve been offered a 0% BT credit card from Lloyds (who i bank with) for 32 months at 1.4% transfer fee, is it worth me applying for the CC and paying off the loan?


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