Which would you pay first?

[RonM21]

While it is tough, putting it towards the Cap1 seems like it can be more beneficial in the long run. It can also grow more as compared to a VS card.

[SOGGIE]

I would pay either Cap One $450 and VS $150 -or- split 50/50.

[Meanmchine]

VS announced that there will be no more catalogues.  CAP1 all the ay

[UncleB]

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@Meanmchine wrote:

VS announced that there will be no more catalogues.  CAP1 all the ay

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No more VS Catalogs? 

My grandfather is going to be ticked... although I'm sure my grandmother will be OK with it. 

(my grandfather is 93)

[takeshi74]

$630 / $700 is 90%.  That's maxed.  Get it down ASAP.

It's not just a matter of scoring but risk (and potential AA) as well.  Switch to basing it on APR once you get it down to 50% or so.

[Anonymous]

Unless you have some specific purpose for needing your score high now or for that particular card I would say the Cap1.

I say this because we are talking about real world money you would be saving and all of these cash back rewards aren't worth much if you are losing your money to recieve them. With that said either choice is fine since we aren't talking about back breaking amounts of debt. The split also isn't a bad idea but again it just depends on your overall objective for making a larger than normal payment.