Which one should I pay off first?

[TheBoondocks]

Hey guys, so I have both cards at 0%, NFCU at $2300, my 0% contract ends 3/4/19 and Citi at $1400 and it ends almost in 2020 or so.Which one should I kill first? The Citi one does have like a 50% ultization tho.

[SouthJamaica]

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@TheBoondocks wrote:

Hey guys, so I have both cards at 0%, NFCU at $2300, my 0% contract ends 3/4/19 and Citi at $1400 and it ends almost in 2020 or so.Which one should I kill first? The Citi one does have like a 50% ultization tho.

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Pay down the one with the highest utilization first, and then pay them down evenly in terms of percentage utilization.

[Anonymous]

I would pay the one that expires the soonest and then focus on the other one.

[TheBoondocks]

Yeah, I was thinking the same thing. The other one could wait since it takes 2 years to pay off and its 0% interest.