<prompt> Human: Hello PF, My spouse and I, through some very lean years, have accumulated about 25,000 in credit card debt. The card limits range from 500 - 5000 and the APR ranges from 14.24 - 29.24. Below is an example of the credit card limits most of which are maxed out and their coresponding APRs, this list is not comprehensive but I think gives a fair representation of whats going on.1,000.00 - 29.241,200.00 - 26.45180.00 - 25.993,000.00 - 24.991,500.00 - 22.99500.00 - 22.991,000.00 - 22.991,000.00 - 22.995,000.00 - 15.243,900.00 - 14.243100.00 - 0 familyAs of this month, due to not having to pay for daycare anymore and a raise for my spouse, we will have an extra 2000month in cash flow.We have already committed to paying 250month on the family loan because somethings are more important than APR. Otherwise, we really dont know what the best way to start is, and what to do with credit cards once they are paid off to increase creditworthiness. Ancillary goals include increasing credit score for both of us and eventually saving up both an emergency fund and house downpayment. Thank you for your advice.  <response>: I would pay off the credit cards until i got rid of everything 20 APR. Then I would build an emergency fund while attacking the other issues. I know its not what the FAQ says. But that kinda interest is an emergency. 