How to pay off my credit cards in smart way?

doublemm

Hi All, 
I have three active credit cards in use at the moment. All 0% on purchased already finished so I am paying off crazy money on the top of the minimum payments
I have Barclaycard with balance £2400, MBNA with balance £4800 and Virgin with balance £5000.
I very doubt I will get 0% balance transfer with the amount to cover all my debs:(
Whats the smartest way to pay it off? 
Please help.

Martico

Smartest thing you can do is to work out a budget, which will tell you your position and what you can manage to do. If you want to share that here, people will make helpful suggestions. The Statement of Affairs that folks here are used to analysing is here. Fill it in honestly, with APRs and all info that you can, then format for MSE and copy/paste here if you're willing

doublemm

@Martico shall I put my budget in here? Mean this post?

enthusiasticsaver

Have you tried an eligibility checker to see if you may qualify for any further 0% deals? That is just a soft search so shouldn’t show on your credit record.

If you can’t move any to 0% then the smart way to repay them is most expensive card first. What interest rate are they all charging?

The link to an soa is here. Format for MSE then copy and paste on here.
https://www.lemonfool.co.uk/financecalculators/soa.php

Martico

Yes, in this thread would be perfect