The one thing I don't understand is why you are wasting a 5% premium on the $500 you are pulling out in cash vs just waiting a month and paying the full $500 directly to the debt. $25 a month is going to add up.
I am SO CONFUSED!
Who has the $13k in debt?
The Wells Fargo Card was approved for $3k but you did not do a balance transfer and you don't actually charge purhcases using the card but each month you transfer $500 from Wells Fargo Credit Card into her Wells Fargo Checking account and then pay who? and then after you pay who, how do we then go back and pay off the $525 Wells Fargo Credit Card because they charged you $25 to take the advance?
and I'm pretty sure taking $500 and paying $25 would cancel out ANY high interest you would be paying on a credit card and even if it was WHERE do you ACTUALLY pay any of the debt down if you are using the Wells to cash advance?
So you are paying WF 60% APR taking the cash advance to pay off high APR balances?