<prompt> Human: So, all November monthly payments have been made. I have 1000 to use, and no other debt beyond a leased vehicle, so I think the best use of that money is to start to fix my credit card situation. Here is a chart showing my current situation. The two Cap1 cards are in my name, the other 3 are in wifes name. My credit was poor, but has improved significantly. My wifes credit was excellent, but overutilization of credit cards medical expenses is hurting her credit score badly. Both of us have perfect credit card payment history.My goal is to use this 1000 in the most effective way to improve my wifes credit score enough to qualify for a new card with zero interest balance transfer. So, I have a dilemma - where is this money most effective? Do I put it towards reducing credit utilization on the Wells Fargo card, even though it has the lowest APR, in the hopes that we can qualify for a 0 balance xfer card? Or should I be more pessimistic, not worry about maybes, and just use it to close out the 22.9 BarclayCard completely?Also - what is a good plan going forward? I have 440 in minimum payments, and Im allocating 750month plus any windfall to credit card payments, concentrating extra payments on higher rate cards, while paying minimum payments on the 6.9 Wells Fargo and 10.99 AFCU visa. Is this a good strategy?Thanks!!!  <response>: Highest APR. Get rid of the BarclayCard debt today. 