Balance Transfer Advice

Broke_Kitty

Hi guys, please can someone give me a pointer in the right direction?

My Virgin credit card's interest free period ends at the end of this month, so it's balance transfer time.

I have a balance of £2533 on this card. Standard APR goes up to 20.9% when the 0% deal ends, no thanks.

I currently have an MBNA, a Lloyds, and a Barclaycard also, all with balances already on them, and I'm looking to shift the balance onto one of these. I can't quite move all of that balance onto one, but a combination could work. I'm just having difficulty working out what the best way way of doing this is.

MBNA card has £1726 available and is offering 4.9% APR on the life of balance transfers, with no handling fee. Currently has a £2473 balance on a 0% deal which ends July 2016, when the APR on the existing balance rises to 22%

Lloyds card has £1240 available and is offering 0% APR for 15 months, with a 3% fee. Currently has a £1260 balance on a 0% deal ending March 2017, so if transferred to this card both deals would end together. APR goes up to 18.94% once the deal ends.

Barclaycard has £1424 available and is offering 0% but only until June 2016, with a 1,9% handling fee. Currently has a balance of £1575 on a 0% deal ending May 2016, when the APR rises to 18.9%, so I'll probably be looking to shift this balance then anyway.

I can't figure out what the best course of action is really, I could really use some advice!

Thanks!