<prompt> Human: I have about 30,000 in credit card debt. I have 6,000 in cash that I can put towards the debt, but I want to know what is the most efficient way to apply it in terms of interest and my monthly minimums. And yes, I have stopped using the cards and put myself on a budget.My debt is as follows:Card 1 1935.15 0 interest, 25month, due 3rd of monthCard 2 10595.10 15.99, 233month, due 20th of monthCard 3 4274.03 17.99, 98.95month, due 17th of monthCard 4 13427.07 15.24, 306month, due 11th of monthI was thinking of 4000 to card 4 and 2000 to card 2. But not sure if that makes sense, also not sure if there is a best date to send the money.  <response>: I would pay off the card 3 in full, save 1000 as a mini emergency fund so you dont have to dip into credit cards in case of another emergency, and put the rest towards card 2. Keep on paying minimum to everything else, and throw every available penny towards card 2 until its been paid off., 