<prompt> Human: So I have a card at 15.15 apr with a 5900 balance and a 775 card with a 22.24 APR. The card with the higher interest rate has a smaller balance which means lower interest charges than the card with the lower interest rate but with an astronomical balance.  <response>: Instead think about it as you have 5900 1 loans at 15 and 774 1 loans at 22. Which loans would pay off first? 