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cash or balance transfer - what;s the catch?

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Am looking to get 0% rate for about 6.5k - (reduced it from 12.5 so getting there)

Barclaycard have offered either 0% to July 2014 for 3.9% fee as a balance transfer
or as cash to current account 0% to October 2014 for 2.9% ... is it OK to take the cash and pay the other CC off? - looks cheaper ? or is there a catch?

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