Rachael, I know it's your job but I am sick and tired of Dorothy Perkins/Burtons staff saying - would you like 10% off this purchase, sign up now? - no I wouldn't, the interest rate is quite high compared with my existing cards. If any of your offers were going to tempt me it would be the 9 months o% balance transfer, but it would depend how much Arcadia were going to charge as a transfer fee. What I do then is balance transfer and at 8.5 months in, transfer it out to another 0% offer which my other cards send me quite often..... a £5 voucher for a £500 spend is only 1% return, I can get better than that by putting the £500 in my building society. Also - I never sign up for anything on the spot, there is nothing worse than hanging around in a shop whilst the assistant phones up for a credit check before they can offer you a card - or not, as happened to me ones. If I want a new card, I apply on-line after much consideration. Sorry!