<prompt> Human: So i havent actually done this, i want to get some advice. I saw on one of the many money-shows on TV Suze Orman saying if you are having trouble making ends meet, make sure you always pay your mortgage, your car, and your utilities. Let the credit cards suffer. I only watched a few minutes so i dont know what else was discussed.But that got me thinking about my situation, heres the idea and some background.-I have 35,000 in credit card debt. yes, 35k.-My credit score is about 730-I just bought a home 4 months ago, but with minimal money down, so there really isnt an equity in it.-I lease my car.-I have a 401k, if that matters.Right now im barely scraping by making the minimum payment on both cards, which amounts to about 700month. I am hardly making any progress on the debt. So my idea is to stop paying one of my credit cards. The more expensive one. Just stop paying it and put the money toward the card with less of a balance on it. So instead of 700 a month to one card, something like 400 a month to the one, which is well above its minimum. Then some money will be banked in my savings, and its just the one Citicard im ignoring. Then when Citibank starts to get really pissed, after a few months, when i have saved some money and gotten my bonus from work, tax return, etc, i can try to give them one lump sum payment of a couple thousand, or somehow work out a lower payment or something, im not really sure how thats going to work yet.How bad will this idea grenade my credit score? Will it dip but be recoverable, since im paying all my other debt and bills? Is it a horrible idea? If i do this method, with my bonuses and such from work at the beginning of the year, i can probably get the lesser card down to a few thousand, with another bonus later in the year finishing it off.I dont need to buy a new car for another 18 months, when my lease ends, so there isnt really much i will need a high credit score for in the coming year, but i dont want to do damage that is irrepairable for years to come.So, since im sure everyone is better with money than me obviously, what are your thoughts? Is this the worst idea youve ever heard, or just a terrible one?Thanks for everyones time.Assistant: What shes saying is if you arent able to pay your bills, dont let card companies scare you into paying them rather than eating, having gas in your car, having lights, or having shelter. If you can afford to pay them all then pay them, dont strategically default to try to save some money. It is a bad idea.I think leasing your car is a bigger problem. Having a few hundred dollars going out a month to a lease rather than driving a cheap, paid for car is money you could be using to pay off your cards. I would also pause 401k contributions for the time being if that meant you could pay off your debt within 2 years.What are the balances and interest rates on the cards? If one has a substantially lower balance I would pay it off first, then use all the money you were putting towards the lower balance to the higher.Human: The one is about 13k, the other is 20k or so. Both are something shitty like 12.9. My plan was to tackle the 13k one first, it has the lower payment and is easier for me to pay more than the minimum on, especially when i get bonus checks and tax return.Ive already paid off one card doing this, this year.  <response>: Both are something shitty like 12.9.You dont know shitty. Shitty is the rate theyll switch you to when youre 60 days delinquent. Shitty is the rate youll get on an auto loan when your lease is up if you default on your credit card.12.9 on a credit card is cheap compared to what they charge people with lower credit scores. 