I have a little $ to make a dent in my FICO score. What should I do?

[EVHarding]

Hi friends....

So I got my tax refund of a small $700 and id like to put it into my debt.

I have had these 5 cards for 5 years+ and my FICO score is 660.

First Premiere is $500 with a $450 balance

First Premiere is $350 with a $310 balance

CFNA Firestone is maxed out at $1200

JCPenney is maxed out at $900

Best Buy which was payed off and still open has a balnce of $0 but a $1800 credit limit.

Any suggestions where my best bet is?

THX

[DaBears]

I would tackle the 2 cards that are maxed out. those are killing your scores!!!!

[qd]

I've heard paying the ones with the highest interest first, but I've also read starting with the lowest balances first since they are easier to pay down to a zero balance.  I'm guessing highest interest card first would make more sense IMO.

[guiness56]

All of those cards would be considered maxed out in FICO scoring. 

If you can, at least get them to by half now and work on getting them paid down more.

[kjel]

I had a similar situation but with 3 cards. I paid off the lowest balance one and have dedicated what I was paying monthly on it to the other two cards. All of mine had similar interest rates though.