<prompt> Human: Hello PF,As the title states, Ive got two credit cards with similar balances and interest rates. The balances are around 6000 each wood, I know. I have enough extra income to pay an extra 500month towards them. Would I be better off paying a lot towards one and paying minimum on the other, or paying equal amounts towards each? My goal is to get my balances down to get my credit card utilization down and improve my credit score. I appreciate any advice. Happy New Year, everybody.  <response>: If the rates are the same it doesnt matter. If different, pay the higher 