<prompt> Human: I have 7 credit cards with a total balance of about 12,000. The largest balance on a single card is about 3600 with 0 APR for 11 months.The 2nd highest balance is 2600 on an Amazon store card with 28 APR.The 3rd largest balance is 2000 with 0 APR for 9 months. The remaining 4 cards make up the remaining balance, and 3 of them are 0 APR ranging from 7-15 months.I currently have about 10,000 that I have been saving and would like to use about 6000 to pay off some of credit cards.Should I pay off the 2 largest cars?  <response>: Nice work saving up the cash! You should pay off the highest interest debt first. That 28 is an obvious first step. Among the various 0 debts you listed, I would prioritize the one that stops being 0 next, andor the one that will jump to the highest interest rate once the promo period is over. At the end of the day, the balance on each individual card isnt whats important--its the total amount of interest you are paying each month. If you want some other opinions on this topic, many articles have been written about the snowball pay down small balances to be able to close out cards vs avalanche pay down high interest methods of paying off debt. While the snowball method can be psychologically nice, avalanche ie, pay down highest interest rate first is definitely the mathematically superior method. 