Things have been financially dire for our family for the past couple of years due to my husband's sudden and unexpected redundancy. We went from a high income to Universal Credit and in order to cover some of the 'gaps' I took out a credit card, and then another and another. I am now managing to juggle all my payments but I really want to start paying off the balances. I have 3 credit cards currently. Card A has an outstanding balance of £950 and an interest rate of 28.04%. Card B has an outstanding balance of £1500 and an interest rate of 30.340%. Card C has an outstanding balance of £2000 and an interest rate of 25.15% although in brackets after the interest rate it states (28.3 compound equivalent) so I am unsure if the actual rate of interest is similar to Card A and B. I have just managed to secure a fourth card with a £3000 limit and an offer of 0% balance transfer for 15 months with a fee of 2.90% and a transfer limit of £2700. My plan was to transfer the balance of card C and £700 from card A and pay this off at £200 per month while continuing to pay the minimum payment on card B each month however it looks like I can only transfer the balance from one cars and am now at a loss as to wether to transfer the balance of card B or card C. Card C has the highest balance but appears to have the lower interest rate. If anyone could offer me some advice or guidance (above and beyond don't be an idiot and spend money that you don't have) I would be incredibly grateful. Thank you for reading and sorry for any formatting issues as posting on mobile.