Hello.. I have a strange question. I'll try to make this short and brief as I can.
I am on a DMP. I paid off one credit card, and will be paying off another credit card in a few weeks. This leaves me with a $50.00 cushion for my monthly payments to apply to another credit card. At first I wanted to wipe out some cards with smaller balances. I have a couple cards that have balances under $300.00. I thought I would clear them out before the end of the year.
BUT... shortly before I enrolled in a dmp Sam's Club lowered my limit on the card from $1000 to $750.00.. I still have a balance of around $930 or so. At my current payment Sam's Club will take me about 10 to 12 months to have the card paid off to the limit. If I apply that $50.00 Cushion to the Sam's Club card.. I will have the card paid off to $750 by the end of the year so that I am no longer reported over the limit.
My question is... Which would be more helpful to increase my score with this extra $50.00 a month?? Pay off the cards with the smaller balances by the end of the year? Or work on this Sam's Club card which is reporting over the limit?
I need to apply for a car loan within 5 or 6 months. I want to get the best score possible. 
Thanks.
I think GEMB STINKS!!!!!