As of 13 August 2026, AI can only partly compare balance transfer credit cards.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Open the current official pages for the balance transfer cards you are considering and copy the full terms, including fees, introductory period, post-introductory rate, deadlines, annual fees, minimum repayments and eligibility conditions.
   2. Write down your current balance, the monthly amount you can repay, the date by which you want the debt cleared and any cards or lenders you cannot use.
   3. Paste those figures and the copied card terms into the prompt, keeping the source URL and the date checked beside each card.
   4. Ask the chatbot to calculate the transfer fee, repayments and any balance remaining after the introductory period for each card, with assumptions shown separately from supplied facts.
   5. Compare every figure in the result with the current official lender pages and correct the chatbot where a term, fee or deadline does not match.
   6. Check the shortlist against each lender's eligibility and transfer conditions, then use the lender's application process or speak to a financial adviser before applying if the debt is difficult to repay.

   Prompt

   Compare the balance transfer credit cards in the information below. Use only the terms I provide or clearly marked information from the lenders' current official pages. Do not invent missing figures, assume that I will be accepted, or present an estimated rate as a guaranteed offer.
   
   My current balance: [£ amount]
   My planned monthly repayment: [£ amount]
   My target date for clearing the balance: [date or number of months]
   Any cards or lenders I cannot use: [details]
   
   Card information:
   [Paste the current official terms for each card, including the balance transfer fee, transfer period, rate after the introductory period, annual fee, transfer deadline, minimum repayment, representative APR, eligibility conditions and any other relevant fees. Include the source URL and the date checked for each card.]
   
   Produce:
   1. A table comparing each card's transfer fee, introductory period, rate after that period, annual fee, deadlines and important conditions.
   2. The estimated total cost for my stated repayment plan, showing each calculation and labelling assumptions.
   3. A separate scenario for any balance left after the introductory period.
   4. The factors that could make the comparison wrong, especially acceptance, credit limits, fees and changing lender terms.
   5. A shortlist only if the supplied information supports one, with a reason for each option.
   6. A list of the exact figures and terms I must check on the lender's official page before applying.
   Do not tell me that I will be approved and do not give regulated financial advice. State plainly where you cannot determine the answer.

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.