Credit card balance transfer Q/help please?

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I have balances spread across three cards. The interest free periods end this month, tesco ends tomorrow.

Santander - this balance isn't interest free at the moment.
Limit 10,100
Balance 4048.49
Current monthly payment 150

Tesco
Limit 8,800
Balance 2,401.52
Current monthly payment 30

Halifax
Limit 11,500
Balance 9,244.61
Current monthly payment 100

My question is, if I move a balance from one card, that amount becomes interest free, but the previous amount doesn't. If I move the previous amount, will it move that 'old' portion of money and not the new balance, leaving the old one there to accrue interest?

How do I move this money around in the best way please? And maybe spread it a bit better to get the best from the minimum payment amounts? I fucked up on that last year. If possible I'd like to reduce the min payments so I can overpay on each and get it cleared.

Thank you for any help 🙏

This tescos offer

And Halifax

I don't want to take out more cards, I doubt I'd get them anyway. They are all offering me new 0% periods for new balance transfers.

Yeah I just renewed my mortgage deal and 3 days later they dropped the rates 🙄🙄🙄

Ok so I'm going to move
Santander 4049 to tesco
Halifax 9245 to Santander
Tesco 2402 to Halifax

Does this make sense? That's all I can really do, isn't it?

Ok, so if they are all offering you 0% on new balance transfers you're going to have to work out how much you can transfer on each card first of all

I'm not sure if you'll be able to juggle them in the way you suggest, it depends on the values you're being offered. You'll need to do it in the right order though.

So start with moving Santander to the Tesco 0% deal, I think you probably have enough credit limit to do that, is that right?

Then will you have a 0% offer on Santander? If so and if it's for the total credit limit (it might not be) then move the Halifax £9k there. You might have to give it a week before they offer you 0% on the total credit limit (or they may not do)

Then you have Halifax and Santander existing balances on 0%

That leaves Tesco, move that to the Halifax 0% offer

x posted but yes, we both agree, if your credit limits will allow it then do that!

You might need to be careful about timing. And you will have the fee to pay

Thank you 🙏🙏🙏🙏

Is there any way to work out what the minimum payments will be? At the moment on 4k Santander is about 110pm, on 9k that's going to increase isn't it? On Halifax the min payment for that one is 97pm.

As they will all be 0% it will decrease slightly, I know but am I going to end up paying more per month than I do now?

You can call them? Or it might say on their sites. It's usually a value or a percentage of the balance, whichever is the lower / higher, I can't remember.

Yes, you will be paying more but look at it this way, it's actually paying off the capital, not capital and interest so is worth doing.

Yes, I haven't got much choice, if I leave it as it is I'll never get it paid off.

Thank you so much for your help, I've moved the Santander balance to tesco and will move the rest as it allows/processes.

No need to be rude to a poster trying to help you.

She wasn't helping me though. I'm sick of people like this. My local Facebook page is full of them. Disruptive people with nothing relevant or helpful to say, that seem to comment for the sake of commenting when they have nothing of value to add.

It's about time we all started calling them out imo.

Hi I'm sorry, I need more help please.
I moved the Santander balance to tesco.
That's all cleared.
Now I want to move the Halifax balance but I want to split it between Tesco and Santander so the amounts are roughly equal to try to minimize the minimum payment on each.

If I move 9k to Santander the min payment will probably be like 200 or something.

I'm so confused 😫

And if I move the old balance from Tesco, now it's hot the new balance added, it will definitely move the old portion that is now not interest free?