Credit card transfer or use mortgage savings pot???

cchase_2

After a fair bit of scrimping and saving, I now just have 4k to pay off my debts. :j
(Starting debt December 08 was 15k :eek:)

I have 3k on a 0% card which finishes September and 1k on a 0% card which finishes October.

The big question is...

1. Do I transfer the whole 4k to my Virgin card. 0% until May 2010 but 5% balance transfer fee.
or
2.Transfer the 4k to my Abbey card. No transfer fee, then 2.9% for six months.
or
3. Do I use the money I have offset by overpaying my tracker mortgage to clear the debts. I have a 'savings' pot of about 5k.

My head tells me to use the mortgage savings money to clear everything once and for all, but my heart tells me to keep overpaying on the mortgage. Currently I have knocked about 6 years off my term, which inspires me to keep overpaying whilst the rates are so low.

Both the Virgin and Abbey cards are clear at the moment.


I would be grateful for any advice. Thanks.