Pay debt advice really need it

[Creditplz]

I agree with CA... Pay the $5,000 for those two smaller limit cards to be paid off.. Then put the 7,000 left over on the 18k balance you have with the 20k Penfed card... Your balance will be $11,000 leaving it at 55% UTL.. It's what I'd do, you don't want balanced reporting on multiple accounts

[Anonymous]

I would pay the smaller balances in full and put the rest toward the 18k. 

[MrsCHX]

Agree that there's no reason to leave a balance on the smaller cards. Pay them in full; put the $7K towards the $18K balance and keep working that one down. 

You'll be below 50% soon on that one,  which is a new 'bucket' and then work on getting it paid down to below 30%

[MyLoFICO]

Or...and hear me out here because we are going to go outside the box for just a moment...get this..pay the 2 smaller ones in full, ok? Radical idea, I know, but stay with me on this...you ready? Then put the rest on the big PenFed balance card. BAM! That just happened! You ARE welcome! 

[RonM21]

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@MyLoFICO wrote:

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@juniornj23 wrote:
All my card have no interest until next years .

And total my UTL aroud 32%

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Then unless you just want or need your score to be as high as possible right now, I would payoff the smaller 2 and then hit that big one with everything you have until it’s paid off. That way if you don’t make it before the 0% is gone you only have the one accruing interest. Maybe by then you will be able to BT to a 0% or lower interest card if needed. That is providing you don’t run any more cards up in the meantime.

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I kind off like this thought also. Hit the small ones first.  It varies in how you can do this.

[juniornj23]

My score goes Ex 705 TU 713 EQ 698 i ask because i really want to take advantage of amex promotion .

But i guess i can wait 6 more moths or 12 . So that way i will not have any HP and better AAAOA