Which credit card to repay first

Dalradian

I also have to pay out for travel expenses which can make budgeting difficult. I would suggest not putting anything on your cards *except* travel expenses which you can reclaim. Otherwise you will keep adding to the debt and not notice it because it is part of a larger amount. Then take any excess you have and pay down the card with the earliest repayment date. Working out how much you need to save each month to repay the full amount as suggested will give you a target to aim for. If you need longer, you could move the debt to a new interest free card, but i would only suggest doing this if you are not adding to the underlying debt and have a fixed monthly payment where you know when you will clear the debt, as it will incur around 3% charge

resolving

Hello,

New to this so not sure how to post but would appreciate any advice. Looking for advice in terms of 0% balance transfers.

I have two separate credit cards one at 4k (28%APR) the other at 3k (10%APR).

I have a fair score on my credit rating (8 marks from being good) with no negative scores.

Is it better to apply for one card and combine these debts or to apply for two separate 0% cards here? On of the cards is with Barclays and my understanding is you are not able to transfer from Barclays to Barclays so would need to seek an alternative.

Many thanks for any help in advance.