B/T or not??

PM1CAS

Hi,
I have the following debts:

NWB c/c £966 0% 16 months
Cap 1 1048 34.9%
Barclaycard 2091 6.9% for life of balance

I should be able to pay all wages from both jobs, say 1k off this month.

Should I pay off Cap 1?

Or should I transfer Cap 1 to 0%, (2.9% transfer fee) and pay 1k off barclaycard?

Dumb question I suppose but I can't figure out which is best as a b/t would incur a fee of say £30?

Help!

lvm

If you can comfortably pay off he entire balance of Capital 1 then that's the cheapest option in the long-run. If you are only paying the minimum payment on the Barclaycard account you should move that balance to a 0% (£60 fee) or aim to pay that one off in full after the Cap 1 card.