Your total % util will obviously be the same either way. FICO also scores individual cards according to thier %util, and also scores overall based on the percent of total open cards with balances. So you have two opotions. One, try to get the higher %util cards down ASAP to a reasonable level, or two, concentrate on getting as many of the four remaining down to zero balance before they pull your report, thus improving the % of cards with balances. In the ideal case, try to PIF at least one card, and get each of the remaining down to a reasonable level. Either way, the interest rate on each card is immaterial to FCIO scoring, and thus should not be considered in your strategy. Lowering %util by reducing balances on the highest %util cards, and reducing the number of total cards with balances are your short term focus.