Maxed Out

[Trigga]

 Hi guess im just looking for some opinons on 2 nearly maxed out cards , i dont have the money to pay ethier one in full . Question is ...is it best to work hard at one of the cards at a time or pay equal amount to both , im thinking i can spend 100 a week give or take some  on one card and 50 on the other so im paying more than minimum on both . Or should i pay the same amount on both . Thanks for the replies ahead of time !!

[chnceit]

When I was stuck in a bind I did the stacking technique which is pay the minimum on one card and put as much as possible on the other to pay down the card with the higher interest rate. So you pay off one card quicker.

[daybreakgonesXe]

Pay at least the minimum on both cards, preferably over the minimum on both. Throw more money at the one with the higher interest rate to help you save money in the long run!

[myjourney]

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@Trigga wrote:

 Hi guess im just looking for some opinons on 2 nearly maxed out cards , i dont have the money to pay ethier one in full . Question is ...is it best to work hard at one of the cards at a time or pay equal amount to both , im thinking i can spend 100 a week give or take some  on one card and 50 on the other so im paying more than minimum on both . Or should i pay the same amount on both . Thanks for the replies ahead of time !!

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What are the limits and balances on the cards?

[Trigga]

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@chnceit wrote:
When I was stuck in a bind I did the stacking technique which is pay the minimum on one card and put as much as possible on the other to pay down the card with the higher interest rate. So you pay off one card quicker.

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Ya i hear ya on the intrest rate thing , but i have zero pct financing i for got to mention that lol , im just trying to get my debt paid down the best way . And i have a year to pay off them both before the rate ends.  I just having my utility so HIGH !!! And in 6 months im planning to apply for a BCE since i have the Green Card atm !

[Trigga]

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@myjourney wrote:

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@Trigga wrote:

 Hi guess im just looking for some opinons on 2 nearly maxed out cards , i dont have the money to pay ethier one in full . Question is ...is it best to work hard at one of the cards at a time or pay equal amount to both , im thinking i can spend 100 a week give or take some  on one card and 50 on the other so im paying more than minimum on both . Or should i pay the same amount on both . Thanks for the replies ahead of time !!

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What are the limits and balances on the cards?

One is 1k Discover other is at 1.8k  Citi ..

[daybreakgonesXe]

Then throw more at the account with the lowest balance. That will quickly demolish high utilization!

[Trigga]

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@daybreakgonesXe wrote:
Then throw more at the account with the lowest balance. That will quickly demolish high utilization!

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Lol , you know what thats the thing i ask questions before i think about it !!! That makes total sense ...maybe thats why i didnt think about it !!

[Trigga]

 Now time to find the seedling ...and join the garden for a while !

[myjourney]

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@Trigga wrote:

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@myjourney wrote:

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@Trigga wrote:

 Hi guess im just looking for some opinons on 2 nearly maxed out cards , i dont have the money to pay ethier one in full . Question is ...is it best to work hard at one of the cards at a time or pay equal amount to both , im thinking i can spend 100 a week give or take some  on one card and 50 on the other so im paying more than minimum on both . Or should i pay the same amount on both . Thanks for the replies ahead of time !!

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What are the limits and balances on the cards?

One is 1k Discover other is at 1.8k  Citi ..

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Last question which one has the longer 0% term?

Whichever has less time tackle it first the other pay above the minimum