What to clear first?

SparciaM

I have 5 CCs as shown:

FD £854 @ 5.9% LOB
Mint £1300 @ 0% till March 09
Virgin £3700 @ 0% till Aug 09
Citi £1350 @ 0% till July 09
Amex £800 @ 15.9%

I've been saving frantically to get a lump sum/sums to clear some debts and get rid of some and was wondering the best way to do it. Once my fixed savings finish (Feb 09) I should have between £1200 and £2300 pounds to throw at my cards, maybe even a little more. Now this what I'm thinking:

Don't touch the FD card, as 5.9% for LOB is a good rate if I can't get another 0% to BT to. Clear Amex card and then the rest to Mint as finishes early. - All of this IF I can't get another 0% to BT to.

OR

Should I try and clear the Virgin card? As I hear that they really rank up the interest rate once the 0% ends.

Question is: If I can't get another 0% card around March/April 09 to BT across to then what should I clear first? I did do a snowball, but would like personal opinions/advice as well. Every little helps, as they say.

paybacktime2008

I think amex and mint, then you can use your min repayments for these to pay against virgin in future.

savingholmes

I would pay in the order you are thinking...

laura2481

I would pay get rid of the Amex first, and then the Mint. How about setting up standing orders to the other accounts for a fixed amount eg. £25 to your FD account so you are slightly overpaying every month, rather than a DD for minimum. (This is assuming you don't do that already!)

Numpty_Monkey

I agree with the other posters
Don't know if you have the link to the snowball calc so here it is:A
http://www.whatsthecost.com/snowball.aspx?country=uk