<prompt> Human: No flaming, please. Just let this be a lesson to all you younger people: dont be stupid, or do as I say, not as Ive done. My spouse and I have 72k in credit card debt. Yes, 72k. Kids, colleges, car accidents, unemployment, etc. But still - a ridiculous amount. And definitely a ridiculous amount when we should be nearing retirement. We have 11k - should we pay off the card with an 11k balance 9.9, or split the amount across 2, 3, or all 4 cards interest rates of 8.9 or 7.9 - most bang for the buck FICO-wise. Thanks!  <response>: Pay off the higher interest debt first. FICO score is irrelevant when youre in that deep. You need to worry about not paying down your credit cards for the rest of your life, not your credit score that would allow you to take on more debt. 