Ditch or keep

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in Credit cards
Hi all
So I'm due to have my 0 percent deal end on my Lloyds in the middle of February but I will have it all paid off at the start of Feb. I have a plan to do this.
I am wondering if I should ditch it as afterwards it won't give me any benefit. The problem is it's my highest limit I have across my credit facilities. I don't ever pay any interest on debt as I'm good at management of them.
Even when I used my other cards at the end of the 0 percent deal I pay the debt off in full.
I have used my Barclaycard abroad and it was paid off when the statement was produced and before the due date so interest even thought the deal ended.
So I have
Halifax clarity 3k limit 0 debt
Barclaycard 3.5k limit 60 on card which will be paid before due date. This card as the benefit of the 0 charges for using abroad.
Lloyds 7.5k limit 3.3k on card and it's 0 percent deal until Feb which will be paid off.
Next account 5k limit but no debt on it and I always pay it off in full usually just sale items. No big ticket items
I have a new m and s card with 0 percent with a 6k limit I have about 200 on it so far which I'm planning to pay just over minimum and add spends for London in Jan and also the final balance of a holiday then it will be paid off in a couple months as using the money that I would pay Lloyds card then I have that 0 percent available if I need it if we are going to get any big ticket items but I won't use.it for the sake of using it but it will be there.
I will be saving up 1000 a month after paying off these cards.
So is it worth ditching the Lloyds as it doesn't have any benefit to me..
I was thinking of keeping the Barclaycard for my holiday in case we need it but we are going to take some cash euros but have the credit card as a backup.
Just to add that I earn 21k Just in case it's needed as I am trying to think of what details you might need.
So I'm due to have my 0 percent deal end on my Lloyds in the middle of February but I will have it all paid off at the start of Feb. I have a plan to do this.
I am wondering if I should ditch it as afterwards it won't give me any benefit. The problem is it's my highest limit I have across my credit facilities. I don't ever pay any interest on debt as I'm good at management of them.
Even when I used my other cards at the end of the 0 percent deal I pay the debt off in full.
I have used my Barclaycard abroad and it was paid off when the statement was produced and before the due date so interest even thought the deal ended.
So I have
Halifax clarity 3k limit 0 debt
Barclaycard 3.5k limit 60 on card which will be paid before due date. This card as the benefit of the 0 charges for using abroad.
Lloyds 7.5k limit 3.3k on card and it's 0 percent deal until Feb which will be paid off.
Next account 5k limit but no debt on it and I always pay it off in full usually just sale items. No big ticket items
I have a new m and s card with 0 percent with a 6k limit I have about 200 on it so far which I'm planning to pay just over minimum and add spends for London in Jan and also the final balance of a holiday then it will be paid off in a couple months as using the money that I would pay Lloyds card then I have that 0 percent available if I need it if we are going to get any big ticket items but I won't use.it for the sake of using it but it will be there.
I will be saving up 1000 a month after paying off these cards.
So is it worth ditching the Lloyds as it doesn't have any benefit to me..
I was thinking of keeping the Barclaycard for my holiday in case we need it but we are going to take some cash euros but have the credit card as a backup.
Just to add that I earn 21k Just in case it's needed as I am trying to think of what details you might need.
Mortgage free wannabe
Actual mortgage stating amount £75,150
Overpayment start date 1/3/23.
Starting balance £66,565.45
Current balance -£65,553.80
Actual mortgage stating amount £75,150
Overpayment start date 1/3/23.
Starting balance £66,565.45
Current balance -£65,553.80
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Once the cards are paid off we are going to use savings to pay any bills that we can pay annually to not have to pay so much a month and it means that we have more disposable Ibcome as we save a set amount so that we can save but also have fun with.
I'm thinking of paying the council tax in one go when the bill is due rather than over ten months and may e the water bill if we have enough saved.
Actual mortgage stating amount £75,150
Overpayment start date 1/3/23.
Starting balance £66,565.45
Current balance -£65,553.80