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Question By
Elorahd

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Paying down credit while still using credit cards
I have a special situation I'm not quite sure how to deal with. I have about 12 credit cards. Right now, half of those are at 0% interest for a set time. I'm trying to pay these down due to a surgery I had to charge to them, but I still use them for day to day expenses. Most of these are at the top of their limit. I have a cool app that helps you use the snowball method to get your debt down, but I'm not sure how to factor in the 0 interest cards and how to deal with putting daily expenses on some other card. What do I pay first? How do I juggle this the smartest way so I pay the least amount of interest possible?

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Top Contributor
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The obvious answer is to pay off the cards that are charging interest before working on the zero percent cards.

Reply by
Elorahd

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That will be done by July. Then what?

Top Contributor
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1445 People Helped

"then what?" Start working on the zero percent card that lose the zero percent intro rate first.

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