<prompt> Human: I received a small bonus of 600, it comes in a separate check so the wife doesnt know I even have it. I have 2 credit cards I am trying to get down- one with 1000 at 20APR, another with 2500 at 0 until July. Should I pay a lump sum on one card, split the payment, or is there a better option?  <response>: Pay off the 20 card, but make sure you pay off that zero interest card before July or else youre going to be hit with back interest. 