<prompt> Human: I have 2 credit cards maxed out right now and a third that is not maxed out. One is with a 5k balance and one is 1.5k and the non maxed out one I have 3k on. I also owe my dad 2k.My dad charges no interest and is patient, so he is the last one to pay back.I feel like it would be quicker to pay off the 1.5k one and get down to just two credit cards, but I know I probably pay more interest on the 5k one. Should I just keep paying them off equally? Or should I focus on one and which one?Thanks!EDIT: OK So the 1500 Has a 23 APR and the 5000 has a 17 APR. EDIT 2: Looking into balance transfer. Started with Bank of America trying to get the 22 balance onto the 14 one to try to get rid of the high interest card and make it so I only have 1 payment. Bank of America does not allow balance transfers, but I was able to take a promotion that was going on that would take the 1500 I need as cash off the 14 card and put that money in my checking account so I could pay off the card. This comes with 18 months of 0 APR on this 1500. WOOHOOO THANKS!!! 1 down. Edit 3: I make close to 100k a year. The reason this all occurred is I had a lot of unexpected expenses at one time, and also my debit card stopped working and the bank still has not issued a new one, and I went from receiving a monthly guaranteed bonus to a quarterly one. Im not so concerned that I will default or struggle paying it back. Just looking for the best way to go about it and be financially wise and not mess up my credit at all. Also, my mortgage will go down in January when my homestead kicks in, so that will help as well. Assistant: highest APR is the best way, mathematically.However, if you have monthly cashflow issues that need to be remedied, then one may consider paying off the lowest amounts first, to free up money due to less monthly payments.As you describe, however, you should probably stick with highest APRHuman: If both are the same interest rate, should I go with the lower amount first or higher?  <response>: lower, youll knock it out before the other once, itll free up that minimum payment. 