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The cards were instantly popular as they had been in America, where smaller US issuers had developed the format to incentivise switching and help challenge the traditional banking establishment.
Balance transfer credit cards were first introduced to the UK in the early 1990's by US issuers keen to gain foothold in the UK market.
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Balance transfer cards have remained amongst the most popular types of UK credit cards ever since.
And although the balance transfer format has developed, such that some are now available with a host of other features, customers remain drawn to them for their perceived primary benefit - their ability to save people money.