Credit card - order to pay off

ReadAllAboutIt_2

I have the following cards and know in theory I should pay off the highest rate one first. From past experience if I clear the M&S one they might offer me 0% on purchases but no good deals on balance transfers. The Virgin one and Halifax are closed I think as I didn't accept a rate increase. I'm wondering if I hit the Virgin one if there would be more chance of them or MBNA on a new card offering me a good balance transfer deal do you think or because it's closed will it not be an option?

M&S £5,560 18.9%
Virgin £3,965 16.9%
Santander £1,600 14.9%
Halifax £2,350 13.9%
Barclaycard £1,820 6.9% life

I'm also tempted to try to wipe the Santander one or Halifax first just as they'd be quicker to clear and it gives me something sooner to aim for as it cuts a card out but is that crazy? They could also offer me a bt deal maybe at that stage though?

What way would you tackle it?

chattychappy

Psychology is important to some... and there isn't a massive distance between your non-LOB rates so go with it if it helps.

I would have thought that closed cards wouldn't make further offers. I often get offers from Santander (Zero) so frankly I would clear this one first and look on the psycho-boost as the icing on the cake. Clear the balance, but don't cut it up. See what happens.