Credit cards

letsgetdebtfree2023

Hi there 1 have 3 credit cards with balances on them 

1 is interest free for 29 months (no spare to transfer others )
2nd is 12 month’s interest free 
3rd 11 months interest free with lowest balance 

should I pay the lowest balance first over 11 months and pay as much as possible to clear and pay minimum on the others or should I pay as much as I can on the 3 

martinbainbridge1975

as they are all interest free I would look to clear the 11 and 12 month cards before interest becomes chargeable

Ebe_Scrooge

As above - since they are all interest-free, attack them in order of promotion-expiry date, starting with the one that ends soonest.

The other option is to pay the minimum to them all, and put money aside each month into an interest-paying savings account, then use that to clear the balance off each card in full just before the promotional rate expires.  You won't earn a huge amount of interest, but it's better than nothing.  Just make sure you're not tempted to dip into the savings for anything other than paying off the cards.

letsgetdebtfree2023

Thanks all 

DullGreyGuy

letsgetdebtfree2023 said:

Hi there 1 have 3 credit cards with balances on them 

1 is interest free for 29 months (no spare to transfer others )
2nd is 12 month’s interest free 
3rd 11 months interest free with lowest balance 

should I pay the lowest balance first over 11 months and pay as much as possible to clear and pay minimum on the others or should I pay as much as I can on the 3 

What interest rates do they revert to?
Are you going to be able to pay them all off before the 0% ends?

If you aren't going to be able to pay them all off then in principle I'd repay 3rd as others have said unless 2nd has a materially higher interest rate in which case I'd be focusing on that