<prompt> Human: So I just finished paying for my wedding that I will be having in June and I payed as much as I could in cash, but ended up with about 30 left on credit cards. I have a bunch of cards, but none with a very high limit so I split payments across different cards to cover different vendor balances.In total I have about 15K split across 3 cards, all with high 20 APRs. Assuming three accounts at 5K each, all with the same APR, what is the best approach at paying these off? Does it make sense to pay the minimum on 2 of them while paying one heavily until payed off, then move on to the next? Or is it better to apply an even portion above the minimum to all cards each month?Im comfortable financially at the moment, but was a bit tight on cash. I expect Ill be able to apply around 1500-2000 per month to these balances, so Im looking to maximize my debt payoff with the least amount if interest and time.Edit: Also, is it beneficial to call my banks and try to get the APR lowered? Or is that not usually possible?  <response>: Yes, if you have three identical APR cards, it is better to pay minimum on two and pay one off completely, then similarly focus on paying off the next one. Since the interest rates are identical, you will end up paying the same interest, but by eliminating the debts one at a time you will gain some flexibility in minimum payments. 