Payoff the Discover due this year so they do not charge you interest going back to day one. I think if you pay off the Discover by November you will have incurred 0 interest. You can then work on paying off the other CC and get 0 interest there. Your auto loan rate is actually pretty good. That would be the least on my list. Just my two cents.
Best wishes on your decision.
Starting Score: EQ: 589 TU: 594 EX: 589 as of 5/1/10
My thought process is simple. I will approach the CU and request them to remove the car from the secured loan and convert the PL to unsecured. Eventually, your apr will increase, but that's not a big deal considering your loan amount. Once your car is lien free, you can sell it to your bro and get his monthly payment to pay your personal loan. With 3K bonus, pay off discover and work around to pay remaining 700 within next 2 month. And for CITI, you should start pay more than min amt due to reduce the total outstanding so that it will be easy for you to pay off during december...even if you fail to completely pay off citi, the interest + reduced outstanding balance cannot be an uncontrolled one..
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