<prompt> Human: Hey all,Im receiving my tax returns today and I want to pay down my CC debt. I have built up debt over the past year from using my CC at college to pay for the necessary needs. 2 of the three cards are almost maxed out around the following::: 24002500 -- 9501000 -- 6502000. I pay on time, but I know having these limits this high isnt good for me at all. I have the opportunity to use my tax return to pay them them down a bit around 1500 to 2000 to use. I need some coaching on what would be the best way to attack this? I appreciate the help, thanks!Edit: Interest rate on the cards are as follows: 24002500 29 interest -- 9501000 29 interest -- 6502000 18 interest.Ive just graduate and actually have a pretty good paying job IT job so making higher than normal monthly payments wont be a problem down the road in the upcoming months. Edit: Update - I have paid down the 950 CC to a 0 balance. Ive applied 500 dollars to the 2500 dollar CC down to 1900 and also had the interest rate lowered to 14 percent. The third card has stayed the same for now.  <response>: Using your edited info:Pay off the 950 card at 29 first just to knock one of the three out. Next, use the balance of your refund to reduce the 2400 29 card. Just by applying your refund in this manner, you should have reduced your annual interest payments by 500-650. Now pay off the balance of the the 2400 29 card ASAP. Finally, pay off the 650 18 card. I cant say this strongly enough...stop using credit cards to finance your lifestyle. Its one of the worst financial decisions you can make. 