Credit Card balance: 2,060.
Do not clear it each month.
Pay minimum due of 102euro p/m - only knocks off interest
(balance was previously 4060 euro at this monthly repayment. Paid 2,000 lump sum today)
Credit Union
Loan €4,923.92
Savings €5,744.92
Question: Am I better off transferring the credit card balance to a 0% card for 10 - 12 months and continue the 102euro repayments there
OR
Should I apply for a loan top-up with Credit union of 2,000euro - just pay credit card off in full and continue my weekly payment of 130euro to Credit Union? ( 117euro off loan and balance goes into savings)