<prompt> Human: I have 6k in credit card debt split between 2 cards. Im paying 23.99 interest. 120 ish in interest a month and paying the minimum due of 180 ish a month. Im not making any progress . I got 1500 back on my tax return and want to use it to help pay off the debt. Should I use that on 1 card or split between the 2? How can I lower my interest so that I can start getting closer to 0 debt. I have another card that has had 0 balance for awhile, 740 credit score, but I am not making very much money right now so 200 a month is about all I can afford to pay on my debt. Let me know if anyone can give me some ideas or if i missed any details that could help. Thanks  <response>: Are both cards 23.99? Yikes. You need to get the rate down and pile all available cash on the debt. You are in a tough spot only being able to pay 200mo. You could get a personal loan and cut that rate in more than half. Or get a 0 intro balance card and do balance transfers. One way or another, get that rate down and put ALL cash on it that you can. Keep some for emergencies and look where you can cut expenses to get more mo to put on the debt. Cancel netflix, spotify, etc. 