Problem with Snowball calculator

Dawning

I'm trying to work out my repayments. I am moving some debt around, and will have £3800 on MBNA at 0% for 12 months, and £1500 on a 6.9% LOB deal.
I'm using the calculator and it's telling me to snowball the MBNA debt. This doesn't make sense to me as it's 0% interest...why would I focus on overpaying that one, rather than the LOB deal on which I am paying interest?

Just wondering if anyone can explain please!
Thanks.

caledonian_princess

What is the interest rate on the MBNA card after the 0% has finished? If you're not paying enough to get that paid off in full before the deal finishes maybe that's why. If the standard MBNA rate is high it could be that even with the 0% taken into account it still costs more than the LoB deal in the longer term.

edited to add:
You may be planning to shift the MBNA card to another 0% deal at the end of this one but the calc wouldn't know that and can only work on the rates you give to it.

Dawning

Hi caledonianprincess - your answer makes complete sense to me, thanks, I can see now why it's better to pay off the MBNA first because the interest rate will be somethingn like 26% if I don't pay off in full