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Which cards should I transfer to new CC

Hi all,

Hope you can help.

I have 3 credit cards at the moment, Lloyds TSB, Capital One and Vanquis and 1 store card with Next

Lloyds TSB £548.94 apr 29.99%
Capital One £2501.36 apr 34.9%
Vanquis £1916.42 apr 39.9%
Next £935.38 apr 25.99%

I was opening an account with HSBC and I told them the balances of the three cards and they advised they could give me a balance transfer card at 0% for 23 months with limit of £2700 which I accepted I now need to decide which cards to use.

Along with this I think I will now have around £500-£600 a month spare towards these cards.

Any idea which would work out best as would like these cleared ASAP so to start saving for house deposit and wedding (we were due to get married next year but had to cancel due to money issues :( ).

Any help will be great thanks



  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    First Anniversary Photogenic Name Dropper First Post
    Transfer the highest rate ones.
  • guesswho2000
    guesswho2000 Posts: 1,703 Forumite
    Name Dropper First Anniversary First Post Uniform Washer
    All the Vanquis and part of the Capital One, since they're the most expensive.

    FWIW, you can't BT from the Next card - it's not a credit/store card, but a catalogue account - you can, however, pay it off using a credit card as a purchase - you'd need a CC offering 0% on those to do that.
  • sleines
    sleines Posts: 32 Forumite
    Ah didn't know that about the Next.

This discussion has been closed.
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