@grigorexxxcore wrote:Citi - $1,269 / $1,300
Nordstrom - $101 / $500
Orchard Bank - $239 / $320
First P.B. - $132 / $250
Capital One - $462 / $750
I'm guessing Option 1 eliminates the 3 highest interest rates. Definitely do it. I also agree that getting rid of the card with fees after paying it off would be prudent. I would also recommend increasing your monthly payment on the other cards. You may not have a lot of debt, but relatively your utilization is high.
It is my personal opinion that utilization does not matter much for young people since they normally do not have much credit liability in the first place; however, it looks like you have plenty of credit.
