<prompt> Human: I have four credit cards and I got myself into a hole when I was in college. I have a new job coming up and want to finally start paying these off. Credit Card 1 Balance: 3100 APR: 27.24 ugh Credit Card 2 Balance: 1200 APR: 23.74 Credit Card 3 Balance: 800 APR: 23.74 Credit Card 4 Balance: 800 APR: 24.74MY question is if I were to devote, say, 400month towards credit card repayment, is it most financially effective to start with Credit Card 1 because of the high interest and just pay minimums elsewhere? Is it better to pay off Credit Card 3 or Credit Card 4 because they have a lower balance so that they dont accrue additional interest? Is it best to divide the 400 equally each month?My secondary question is more a matter of opinion. What would be your advice more paying these off without getting overwhelmed? I know I want the stupid-high APR card to be dead and buried because its loomed over me for a long time. I have some struggles with finances and dont want to get overburdened and complacent.Edit: Formatting  <response>: What youre describing is the difference between avalanche and snowball. Its BEST to pay off the higher rates first, but paying off the lower balance ones first can help you tackle it by giving you a mental bump when you pay something all the way down.Its totally up to you theyre both viable. 