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HELOC
Balance: $22.8K at 3.4%, with $200 monthly payment
Car Loan
Balance: $10.5K at 3.38%, with $284 monthly payment
I can have the loan paid off by late December by adding $1400 to my monthly payment (or by late October by paying $6.4K once, but I'd wipe out my meager savings). What should I do?
PS: Did I mention it's my ex-wife's car?
So who is making the payment on your ex-wifes' car? You? Is the payment something you co-signed?
Do you have possession of the car?
This is just my opinion based on your post: Don't wipe out your savings. If the car is on your credit report because you co-signed and you are now divorced, IMO it would be a good idea to pay the car off first with the acclerated payments. First it will save you more money monthly when it's paid off. Secondly, it gets rid of that obligation to pay your ex-wifes vehicle payment (forever, which has other benefits).
The HELOC is your's right? Not your ex's? Once you have paid off the car, then concentrate on getting rid of the HELOC.