Debt consolidation

Gunner_99

Hi everyone

I am on the final stretch of paying off all my debt.  Myself and my wife have 3 credit cards between us that total £15'000.  All have cards have recently been transferred to 0% interest.  Payments total £250 per month across the 3 cards.  My question is would I be better off getting a loan to clear all 3 balances and then over pay on the loan or keep using hte snowball effect whilst they are interest free?

thanks

T

jokono

I'd keep the cards on 0%, the lowest rate you might get on a loan is about 3%.