Payment Advice....

[dstew201]

Card	Balance	Credit Limit	Available	Util %
Discover Individual	$1,842.12	$6,000.00	$4,157.88	31%
Amex Individual ED	$0.00	$5,000.00	$5,000.00	0%
Amex Individual  Delta	($53.37)	$8,500.00	$8,553.37	-1%
Cap1	$1,191.90	$7,700.00	$6,508.10	15%
Cap1	$2,872.00	$3,500.00	$628.00	82%
BestBuy	$1,925.00	$3,000.00	$1,075.00	64%
PayPal-SamrtConnect	$2,580.00	$3,600.00	$1,020.00	72%
PayPal-Credit	$0.00	$1,000.00	$1,000.00	0%
BoA	$500.00	$2,000.00	$1,500.00	25%
CarCare1	$0.00	$1,200.00	$1,200.00	0%
Amazon	$2,353.01	$3,300.00	$946.99	71%
US Airways Authorized	$2,300.00	$4,000.00	$1,700.00	58%
BestBuy Authorized	$2,000.00	$4,600.00	$2,600.00	43%
Discover Authorized	$5,500.00	$9,600.00	$4,100.00	57%
Amex Authorized	$2,500.00	$4,000.00	$1,500.00	63%
TOTAL	$27,352.78	$73,000.00	$45,647.22	37%

I didn't have time to input APR, but my highest is the Cap1 with balance of 2872.   What would be the best approach to tackle this? Feels insurmountable at times!!

Looking at wrapping this up in 18-24 months.  So far the Authorized Use accounts are not showing up in my balance\UTIL % on my CRs.  

Tackle highest UTIL or APR first?

[Anonymous]

honestly forget your score and save yourself money and pay the lowest ones first so you can use that "minimum payment" and apply it to the larger cards

[DeeBee78]

The AU account utilizations aren't helping you. Taking yourself off of those brings your utilization down 5%. 

But in debt paydown mode, scores are secondary to payments. Get the highest interest balance paid off first if you want to save money. Then snowball that into the next highest, and so on.

[ojefferyo]

Best advice I can give you is to stop using the cards and put them away. 

[dstew201]

I agree... Right now I'm only using both AMEX cards to get the bonus rewards (i.e. Gas, groceries, phone bill, etc...), everything else is shutdown.

[ojefferyo]

That's good, make bigger payments if you can.

[Anonymous]

APR is actually essential to getting good advice on which to pay off first. We also need to know whether your goal is to save the most money or to raise your scores the fastest.