Best way to split £3k to pay off credit cards

zedonk

My experience has been that if I pay a card off in full and stop using it, or continue to pay it off in full each month, I start to get 0% balance transfer offers on it. Halifax and Tesco have both done that quite quickly, Santander took longer. But obviously there are no guarantees. 

MasterG83

for me snowball method, smallest to largest regardless of APR, then carry over that cleared monthly payment to the next debt. Physcoloigcally proven to work better for your average debt buster, down to head space and the small wins that keep you motivated. So start with CC3 then CC4

Debtdipped

Thank you everyone for your advice. It made me carefully consider my options. In the end, I decided to pay off CC1 £2k with the highest APR (34.9%) and although it makes more financial sense to then pay off a second CC (CC4 £1,200), I decided to reduce my overdraft from £1500 to £500 instead as it has more of a toll on me mentally and emotionally seeing my account negative/overdrawn each month

enthusiasticsaver

I think that was a good move. I would always prioritise dealing with an overdraft.