<prompt> Human: Hello PF, Im kind of curious about paying off credit cards. I have multiple cards with balances Im trying to pay off, not planning on purchasing anything major for the time, but hopefully will build my credit back up as well. Its currently around 650 from credit karma.I just started reading on here recently, and I discovered and understand the snowball vs avalanche payment methods. In the past I have been paying more than the minimum on all my cards, and funneling any extra money to ones with higher APRs. Is this a good method, or would I do better to pay the minimums on all the cards except one, until that one was is paid off? Also, while Im here, I have a Bank of America account, and I had auto pay set up to pay account ending in 1234, and because Bank of America changed the card and the new number is 5678, I set up an auto pay for that. They can see both payments going into the account, but they dont have a way to stop the old auto payment for the 1234 account. They tell me Id have to go through my bank to stop it. I dont know how I would stop that from my bank when its an autopay. Thank you in advance. Edit:Heres the breakdown of what Im looking at. Capital one, 1500 balance, 19BofA 3200 balance 0 for 9 mos, then 17BofA 7000 balance 12Discovery, 6400 balance at 21USAA, 7700 balance at 11Wifes Citi, 3700 balance at 9Wifes BofA, 1800 at 16Hopefully the format looks ok, Im on mobile. Im averaging about 50 total utilization, I have a couple small cards that are 0 balance. The BofA 0 is a balance transfer from another card with high interest. Credit karma recommended a chase slate card for balance transfers, so I applied, I havent heard back yet. We are currently not using any of the cards, we will usually pick one to use for traveling whenif we go on vacation. Thats why the BofA card is so high, I traveled for work for about a month, and used exclusively that card.  <response>: Is this a good method, No. Focus efforts in 1 place. or would I do better to pay the minimums on all the cards except one, until that one was is paid off? Yes 