Paying off cards and score boost

[OniStringer]

Hello everyone, previously had a post that my final baddie was removed. The only thing I am doing now is paying down my CC balances (Utilization currently around 85%). Im gonna post my balances here along with the card limits and my total limit. I have a good amount of money coming in to dump into them and was wondering if there is maybe a good strategy to get the quickest score increase. Or if I should just continue the snowball method as I am doing. Just looking for some input that people may have. I would like to get the quickest score increase even though the end goal is to obviously pay all the balances down. I have read there are certain total and "per card" percentages to try to stay in, I just dont have that full knowledge yet.

Cap1 Platinum $0 / 800 --- 0%

Cap1 Walmart $3,227 / 3,500 --- 93%

Cap1 SavorOne $0 / 500 --- 0%

Discover IT $924 / 1000 --- 93%

Amazon Prime Visa $1,342 / 1,400 --- 96%

Apple Card $1,825 / 2,000 --- 92%

TOTAL - $7,318 / 9,200 --- 79%

High Utilization came from losing a job and having to get by and make sure to keep paying to not re-mess up my credit. Luckily got a great oppurtunity, and have been paying them down little by little. 

Worked a ton of OT this last two weeks and will have about $3000 to dump into these cards, should I pay a few off completely? or split it up to lower total and per card utilization?

[JoeRockhead]

I'd concentrate on the cards that are at 90%+ UTI first if you're able... try to get as many of those below 70% as you can, then work from there. That will at least get you out of maxed out territory which is a big red flag to all your lenders (not just the ones maxed out).

[GreatLife]

With 3K..if my math is correct I would PIF Discover & Chase, $500 Walmart Cap1, remaining funds on Apple card. Should end up approx 78% UT on each of 2 cards with aggregate UT approx 47 or 48%. Going forward focus on moving those 2 cards thru UT thresholds 68%/48%/28%/<9%

[FlaDude]

Unless you have an immediate need for better scores, I'd go "finances over FICO" and pay off the highest interest rate cards first (unless all of the interest rates are similar, then it wouldn't matter too much).  I would lean towards paying cards off in full, if you make partial payments you run the risk of balance chasing.  

[FicoMike0]

I agree with @FlaDude , do what saves you the most money. That would be pay the highest interest rate first. I also agree that pif in one payment might prevent balance chasing. Your scores will jump when you get the utilization down anyway.

[OniStringer]

@FlaDude @FicoMike0  yeah i do think paying off as many in full as i can also just alleviates balacning all the payment dates, especially cuz every single one of these cards will be sock drawered once my credit improves. 

i guess it truly doesnt mater if i get beter scores next month, or in 3 months