Which will increase my score the most

[Anonymous]

I will be left with 2 credit cards with balances. The question is paying more on one than the other better.  I have a 740+ score.I will give the numbers below. 

I have one with a $19,000 balance and credit limit

The other one has a $12,00 limit, but a $11,000 limit.

The first one has a 13% rate the second a 8% rate.  I want to pay off a $1000 from a credit score issue does it make a difference. 

I am and have been current on all my accounts for over 10 years. I have 2 other credit cards that will be completely paid off before I make a payment with a $10,000 and $15,000 empty balance.  I also have a few car repair credit cards that are avaible, but I am not using now.   I realize I should have never got in debt this far, but that is not the question I am asking. 

Thank you

[SecretAzure]

I'm taking a stab at this but wait for others before making a decision.

I believe it would benefit you most financially to put as much onto the lower interest card as you possibly can. With regards to having a higher score, having all the debt one one card will increase your scores. So it comes down to you...is paying more for a small bump in your score worth it to you? Are you applying for a loan any time soon?

[Anonymous]

Like SA said, I'd wait for others to chime in over me, but most advice here seems to favor getting all cards under 90% util first, then putting everything you can towards the card with the highest interest rate while paying the minimum on everything else. 

[HeavenOhio]

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@Anonymous wrote:

I have one with a $19,000 balance and credit limit

The other one has a $12,00 limit, but a $11,000 limit.

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The typos in the bolded line confuse things a little.

But without knowing the exact figures, the first thing I'd do is get both cards down to 88.9% utilization or below. And I'd make it a priority to keep them that way. That way, neither card will be maxed.

After that, I'd submit that your options are open.