<prompt> Human: Some background: I am currently running a balance on two credit cards. One card has a balance of 1900 and a limit of 2300 20 Interest. The other card has a 6000 balance and a 7000 limit 22 Interest?. I am currently working on paying towards both of them. My tax return this year will allow me to completely pay off the 1900 card but I dont know if it would be better to pay down the 6000 one.  <response>: Think about how good it will feel to take one bill out of the mix completely. No payment due. Theres a very slight mathematical benefit to paying down the 6,000 balance, but going from 2 debts to 1 is a big emotional win. 