What would you do if you were me?

immoral_angeluk

Due to a number of balls ups our original plan of paying off barclaycard in full this month has gone to pot thanks to a dodgy piece of ebay scum and me being a numpty and paying £117 off my husbands citi card instead of transferring it to the barclaycard fund. :doh:
I've worked out that by the end of may we'll have about £633 and we could do one of 3 things...

• Pay it all off barclaycard and the remaining balance would be about £174
• Pay it all off citi and the remaining balance would be about £595 including a minimum payment which is coming up
• Split it between the 2.

The balances and APR's are....
Barclaycard 19.9% balance £807.12 limit £900
Citi 27.9% balance £1387.83 limit £1,500.

Come then oh wise ones? What would you do if you were me?

catewithers

I'd pay it off the Citi card cos the interest rate so high.

saffronflowers

IA - my gut would be to pay of the CITI card as the interest rate is huge

SFx

Toto

I think citi too, then next month you could probably look at almost clearing that one. That would give you a massive boost because you will have cleared the biggest one, barclaycard will seem easy after that. You're almost there IA, just keep going for a bit longer.

NorthernAngel_2

You've had a helluva day IA aint'cha...*

I have no experience on credit cards but as the citi is higher interest i would pay that off first, i realise why you were paying off barclays first as it would've been another debt done and dusted but with recent happenings i would go with citi.....hope you have a better day tomorrow!! ((hugs))


* avid diary reader

Shineyhappy

Like the others I would say clear the citi card as you must be paying a fortune in interest.

I know you wont get the thrill of paying off a card and closing the account but you could always work out how much you have saved in interest instead.

hypno06

Pay it off the citi - you know it makes sense!!

bandraoi

Definitley the Citi card, I mean £595, that's tiny, who couldn't love such a small number?

lauren_1

I would say citi card too but then you could clear the barclays in one quicker then focus soley on the citi card from july/august time.

immoral_angeluk

bandraoi wrote: »

Definitley the Citi card, I mean £595, that's tiny, who couldn't love such a small number?

Not as small as the £174 that would be left on barclaycard which we could clear by end of june....

Toto

ok IA, toss a coin, heads citibank, tails barclays. If heads comes out and you are dissapointed you know what you really want to do.