<prompt> Human: I currently have 2 credit cards. One with a balance of 2800 with a limit of 3000. The second has a balance of 4900 with a limit of 5500. I recently received a bonus of 3000. I am looking to buy a house in the near future and would like to know if it would be better to pay off the lower balanced card or put half of the 3000 towards each card?  <response>: If you cannot pay off your credit card debt you are not in a position to buy a house. You should pay as much money as possible onto the card with the highest interest rate and pay the minimum amount due on the other card until the higher balance card is completely paid off. 