what would you do?

debtfreemom_2

i have an m&s card and i know it says you can transfer at 3.9 for the life in the first 6 months, well i have 3 months left and have some higher apr cards,

would you throw all the money at m&s in the next 2 months then transfer a higher apr card to it? as theres no fee, surly would i be better off?

or would the intrest on the higher apr card in the 2 months im throwing the money at m&s make it even apr 24.9?


thanks in advance for any replies x;) :cool:

CLAPTON

BT as much as you can to the M&S card now (i.e. up to the maximum alowed),
pay the minimum on each of your cards except the one with the highest APR..on that pay the maximum amount you can afford.

debtfreemom_2

thanks clapton, ill pay as much as i can off the m&s then then transfer!!

thanks again .