Keep or Cancel?

zoomy

My 0% on my barclaycard platinum ends in April and I'm thinking ahead as to what next. I have the following cards

Barclaycard Platinum - £7.5K limit will be around £5K by April
Virgin - £10.5K limit, no balance
M+S - £6K limit - use this for spending and pay off in full each month
Evans - £500 limit, use occasionally, pay off in full when used

Given I'm only on £26Kpa salary I'm guessing I'm near my borrowing limit so getting another 0% cardto BT to might not be an option. Should I be cancelling my Virgin card?

Tixy

I'd wait - and then in March / April ask virgin if they will do you a 0% balance transfer deal - or keep an eye out for them offering you one between now and then.

Virgin historically have been one of the better cards for offering existing customers deals.

bengalknights

MBNA issued cards usually offer new deals every year as Tixy states if you wait it out they might offer you 0% for one year on BT.

Curr946

Rather than cancelling virgin, how about doing away with the evans card, reducing the limit on the M&S card to around 10% more that you spend on it and reduce the limit on the barclaycard to 6k? This will free up about 6K (assumed you set M&S to 2k) oh and you could also reduce the virgin limit to say 7k allowing room for BC balance and some spending. thus reducing your available credit by 9.5K

EDIT.. assuming you balance on BC is about 5k.