Snowball or no?

kezzygirl

Hi, I have three credit cards with balances as follows: 
Barclaycard £8383 0% until 1st May 2026
Natwest  £7220 0% until September 2025
Natwest £4920 0% until March 2025

The barclaycard was a money transfer I obtained last month to pay off a loan and save on interest. My plan was to pay what we would have been paying off the loan (£275) to the barclaycard as we wouldn't miss the payment as we've been paying that sum to the loan. My question is, should I actually pay the 275 plus whatever else off of the natwest march 25 debt so its cleared by the date it's due and then snowball that payment to the other natwest after the first is cleared, instead of paying down barclaycard? Thanks in advance.

kezzygirl

Actually, save the comments. Having read it back, of course it makes sense!! Lol

Andyjflet

Snowball with the smallest amount, it will feel great when you have cleared this, ensure you do it the month before it expires on the zero percent card. Then snowball that payment onto the next Nat West debt, can you increase your payments by becoming more intense? Side hustle, sell stuff etc etc 

in_need_of_direction

i agree

kezzygirl

Andyjflet said:

Snowball with the smallest amount, it will feel great when you have cleared this, ensure you do it the month before it expires on the zero percent card. Then snowball that payment onto the next Nat West debt, can you increase your payments by becoming more intense? Side hustle, sell stuff etc etc 

Yep I plan to make the final payment Feb 2025 so it will have cleared by the 0% expiry date. I do pay a lot off of the debt including rounding down my bank to the nearest 0 and making extra payments.