@devineer1 wrote:Yes Wells and Discover are over limit but current.. all cards are paid and current just have high balances! Closing the Wells... well thinking about it, bank practices have burned me and affected my history with them based on the way they choose to process transactions, it is my oldest card so far which is my down side.
Closing it wouldn't affect your credit history, as it would stay reporting positive (assuming you pay it below the limit before a statement posts) for many years whether open or closed.
Since the store cards aren't a priority, I would get those over-the-limit cards paid down, and then work on First Premier and First Savings. Given your priorities, I would close First Premier before I close Wells. At least Wells might grow with you later. First Premier will always be a vampire on your finances. 
@devineer1 wrote:Morning all,
I will be getting my taxes back here soon and want to pay down both my major and store cards. The thing is I only have so much to work with and need to know how much to pay to whom. i kind of know who is more important, I think the how much is where I am getting hung up. I had myself on the Snowball plan, so I need incorporate how to make this all work in my favor. My store cards are not as important, I figure I will pay those down over time but will include them im the list so you can see my headache. (IO', sure its just me need to have my hand held) I was laid off about a month ago which caused a lot of usage.. explanation of balances!
Card Credit Line APR Balance
Cap One Sec $500 23.15% $445.84
Cap One QS1 $500 25.15% $467.14
Cap One Plat $600 0.00% $467.74 *checked 2 statements
Discover Sec $1000 23.24% $1016.34
First Savings $350 29.90% $313.40
The above are the ones I feel are super important and would love to get those paid down or off... the next group are cards that are under consideration to pay off and close when covienant
First Premier $300 36.0% $285.89
Wells Fargo Sec $500 19.24% $651.09
Store Cards
Ann Taylor $250 $76.67
Buckle $250 $250
Express $250 $215.96
Finger Hut $1600 $935.50
Justice $250 $201.88
Kohls (AU) $700 $622.05
NY&C $300 $153.16
Target (AU) $1300 $1194.85
Victoria Secrets $250 $233.19
I want to eventually get all these paid down but the top ones are more important!
If the top five are the most important to you, and you wish to spend $2k - $3k, I don't see any confusion. You can pay all five of them off for $2700, or just pay off the four that are actually charging you interest for $2200.
As others have mentioned, you might want to consider getting First Premier higher on your priority list. They have their place and serve their purpose, but they are also an expensive card to keep if you don't need to.
Good luck!
