Which one would you tackle first!?

BlueJ94

I have two credit cards as below.

Marbles £1200 APR 49.9% (I spoke to them and asked them if this is correct which it is)

Vanquis £745 APR 3.99% PM

Im wondering if snowballing would be easier or not.

fannyadams

using this tool
https://www.moneysavingexpert.com/banking/interest-rates/#calc
I can see the Vanquis card with the 3.99% monthly interest gives you 59.92% APR. Assuming that's what you meant by "3.99%PM", so that's not APR because APR stands for Annual Percentage Rate.
If I misinterpreted what you wrote, I apologise.

In any case I would absolutely throw everything at the higher APR one first as you'll be paying more interest on the one with the higher APR. IYSWIM.

BlueJ94

Thank you! Yes that's what I meant thanks for working it out for me