<prompt> Human: 7,231.42 19.24 APR with monthly payments of 193 11,655.98 15.24 APR with monthly payments of 263 12,555 in savingsIve been lurking around here and looking at old posts. It seems like I should pay off the card with the higher APR, but the overall monthly payment is lower.I called both cards and neither were willing to lower the interest or total amount owed. Ive lowered a lot of my other bills as much as possible.Should I put a chunk towards each, or completely pay off one of them? Id like to leave a few thousand in my savings if possible. Monthly net take home is usually 2000, but 975 is for rent and I get paid bi-weekly so sometimes things dont line up very well.I can include any other information needed. Thank you.  <response>: Would you want to invest in something that loses 19 in a year?Pay the CCs off asap. 