<prompt> Human: I messed up when I did my tax deductions this year and will be getting about 7,000 back in overpaid taxes - I currently have about 13,000 in credit card debt, spread over about 6 different credit cards. What is the best way to pay these off, should I pay off the biggest one 5000 and then spread the rest out on the others ones, or should I pay about 1000 to each one and gradually pay them all down?  <response>: Highest interest rate first. 