Own debt management

RAS

What's the APR when the 0% runs out?

Debt charities would insist it's in and keeping one card not defaulted ain't going to have much impact on your credit record.

My take, if it's APR is higher than other cards, clear it. If it's lower than other cards, it's probably better to let it run out

Rob5342

If you let everything default then they will all be 0% anyway. I would say its better to let everything default so you don't hsve to worry about interest, and then set your repayments based solely on what you can afford. The danger in trying to clear the card before the 0% deal enda is that you might leave yourself short. 

mb1981

I have just seen that I have been defaulted with my vanquish card. Do I now start making payments? 

RAS

You can do if you can afford it. Make sure you are not paying more than the correct proportion of your surplus income, and you've reviewed your Statement of Affairs.

It's easier to increase later than to reduce payments.