credit cards

tbsouth2004

just wondered what you thought unsure of the next move we have 4 cards in total 1 is on normal interest 3 on 0% 1 ends xmas day other 2 april but we have a card coming that can lump the lot on 0% for a year £7000ish we owe got a letter from my bank today offering me a loan this sounds really rubbish but im fed up and can,t get into niceties

Airwolf1

Stick with interest free, but if I were you, I'd cancel the cards that would be paid off, to avoid the temptation of spending.

tbsouth2004

i,m just wondering if it wood be best to do the whole lot in 1 swoop or leave em to run till april cause the offer doesn,t end till march if you get what i mean and thanks for answering

Airwolf1

It depends on what you owe on them I guess. If you can get 0% for 12 months, put them all there and try to pay off as much as you can within that period. If you do keep one of the ones you transfer the balance from, and if you use it, ensure you pay the balance off in full each time.

tbsouth2004

i won,t be using them no they will be cut up thanks for taking the time to reply