Debt repayments - better to pay off individually or consolidate onto my open credit card?

squarehead94

Hi all.
after a long road of having stable debt (stable in as much as ive never defaulted and always managed to get by and keeping up my payments) I now have a Debt Free Date of 27.02.21. after this im saving for my mortgage deposit.
I have 2 options in regards to paying my debts off. (Ive already paid around 13k off, another 3k to go) 
I have a Barclaycard with a limit of 3k which I recently paid off in full. I have 6 remaning debts totalling near this figure. My initial plan was to pay them off individually, having them all paid off by the above date. Alternatively, I could obviously pay them all off now and put them onto my credit card, again having that paid off in full by the same date. What would be the best option? the interest charges ill save in paying them off in one go don't total a great amount and as I'd be paying the Barclaycard back off within 1 statement period I didn't think this would be too harmful. What would be the best option for me given I am trying to improve my credit rating more than anything else? 
Appreciate any input.
Kind regards

phillw

I can't see how it makes any difference if you are paying it all off in a month anyway.
Why did you not clear these debts first, if the interest was greater?

[Deleted User]

Your credit rating will be shot anyway from not paying cards off in full so you might as well just pay them all off by the 27th Feb as above, paying them off via another card is silly anyway unless you had a BT card offer. Clear the debts in 32 days then work on spending on the cards and paying off in full every month, get a monthly payment mobile contract and so on, after a couple of years you should be in a good position to start looking for a mortgage

MovingForwards

Ignore the credit score and rating as it's the credit history financial institutions see and use when assessing applications.

Just clear the debts and start saving for your home.