<prompt> Human: Hello Reddit,Starting a new job that pays well but have about 50-55k in credit card debt dont ask, life in LA is crazy, just got married and own a condo. New job will pay 85K, and will be making enough to start chipping away on the debt finally. What Im trying to figure out is which credit card to pay down first? Common knowledge says pay down the highest interest one first...but is there a strategy or tactic that can help me pay it down quicker or in a smarter way. One card has: 20kone card has 25kanother card has : 8k Thanks ahead of time!  <response>: You need to get a consolidation loan from a bank and cut up your cards now. 