<prompt> Human: Hi Guys! Ive been reading PF for a bit and just wanted your advice on which card would be better to pay down first. I have one Chase card that is about 2600 out of 3000. Its a 0 APR intro rate I was meaning to transfer money from another card to this one for the low APR rate but it started to get to highI have another BoA Card with a similar debt but the total credit is 7000.My plan of attack is to use the snowball effect and start hitting one really hard until its 0 and then take that money and hit it with all I can to get that one down. Then move onwards and upwards to other various debits luckily its not many. I think I can get these paid off by the end of the year that way. But, Which one should I pay off first? Higher APR or more that 50 usage?  <response>: If the BoA card has an interest rate above 0 I would pay that one off first. 