<prompt> Human: Greetings all, credit card dilemma here. Ill be getting a check where I can pay off my smaller card in full, but I feel like maybe putting that money towards that bigger balance would lower the monthly payments and I can keep making the same payment and more comes off.One is a WF credit card with 95022.15 interest a month20 interest charge a month30 minimum payment a monthOne is a Coastal card with 5350 16.25 interest a month67 interest charge a month208 minimum payment a monthSo pay off smaller card in full and have one less bill a month?Or put that lump towards the bigger one, bringing the balance and monthly payment down BUT it keeps the same 2 bills a month and keep chipping away at them?Im terrible at finances so I can use all the help I can get! Thanks people!  <response>: Both the snowball method and the avalanche method suggest that you pay extra on the WF card first, since it is the highest interest rate and lowest balance. 