<prompt> Human: The two remaining credit cards I have both have a balance of 5000 that needs to be paid off and the interest rates are at 29 because I was out of work for a year and couldnt pay on time edit. Should I continue using the Snowball technique to pay off these cards, or should I try to open another credit card with a lower rate, and then balance transfer to work off the debt? Which path would be the best for me?  <response>: Id try and get as much as you can on a lower interest rate and then attack anything left at a higher rate.The Snowball is a good method for people who have a lot of different debts and dont know where to start. But now that youve got a couple wins under your belt, Id switch to paying off highest rate first, which is a better financial move.Good luck! 