Help please with snowball

MissOptimistic

Hi everyone
I want to snowball my debts, but what do you do when you are paying 3 different interest rates on one card?
On my barclaycard, £10,400 of the balance is at 2.075% per month, £6,100 is at 1.313% per month and £2,850 is at 0.561% per month.
I can't put it down as three seperate cards, as the snowball will say to clear the expensive rate first and we all know that when I pay barclaycard, they reduce the cheapest portion first
Any ideas?
Also, to translate the monthly interest rate into APR do I just multiply by 12?
Thank you!

ElizabethJH

If it helps the average rate is 1.612% atm (If my maths serves me?) But that will change every month as you pay off the balance.. could be a good place to start!?

I know there's a formula for working out APR that I found on a forum but have at home.. I think it's nearer to x 13 though.

LilacPixie

if when you are on the snowball you put the cards tick the non flexible box and you can then pick a fixed repayment for your card if that helps ya.