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		Our anniversary offer may have gone, but for those customers who applied between 1 January 2007 and 31 March 2009, it's not forgotten. Happy anniversary For applications made between 2 January 2009 at 08:00 and 31 March 2009, you'll get our 0% offer again for up to five months on balances transferred in the anniversary month in 2011 and 2012. For applications made between 1 January 2008 and 2 January 2009 at 08:00, you'll get our 0% offer again for up to five months on balances transferred in the anniversary month in 2010 and 2011. For applications made between 1 April 2007 and 31 December 2007, you'll get our 0% offer again for up to five months on balances transferred in the anniversary month in 2009 and 2010. There is a handling fee of 2.5% of the amount of each balance transfer made under the anniversary offer. Introductory or promotional rates are subject to you making your required monthly payments on time and keeping within your credit limit. If you fail to do so, we may charge the standard variable annual rate for the relevant transactions instead of the introductory or promotional rate.