To add to BBS' comments, an auto loan is nearly always going to have an interest rate far lower (better) than a credit card, since it is a secured loan. And, if you are going to have debt, you want to have the lowest cost debt possible. So... paying the credit cards down is very likely the best idea since their interest rate is probably >3x that of an auto loan.
Also, to expand on something I mentioned in an earlier post, your current utilization puts you at risk of being balance chased as the cards are paid down. This is even more likely if you routinely pay only the minimum payment or slightly above it.
