<prompt> Human: First I would like to thank everyone in this subreddit. Ive lurked a lot since 2016 and found a ton of help tackling my debt down. I was in really bad shape over 12 months ago and I feel like I can breathe a little better. I have a much better job now compared to 2016 and I make about 75k a year possibly more next year since I have my yearly review in a couple days. So Im here to ask some more personal advice from all you friendly people.My year end bonus is being deposited into my account tonight in the amount of 12,900. I want to use it to pay off my credit card debt. Im keeping 800 to pay my rent next month so I have 12,100 to use. I have 3 cards below. How should I tackle it? nbsp;Card - APR - BalanceCapital One - 23.90 - 3,508.72Chase Slate - 0 until 0718 then 24.74 - 2,943.34 I can also balance transfer into this card for a 5 fee with 0 interest until 0718. I got this card for the intro 0 balance transfer early in 2017 and it helped relieved me of some interest.Credit Union - 18.00 - 14,958.43nbsp;I also have a student loan in the amount of about 5,000 with 1.99 interest. What should I do? Or would you recommend a different plan with my bonus? I do have a small emergency savings of 1,000 that I dont touch but willing to use it towards my debt if you all think I should.And again thank you to everyone that contributes to this subreddit.  <response>: First, why take 800 for your rent next month? How do you normally pay rent when you dont get a bonus? Presumably with normal paychecks. Just keep doing that.Pay Capital One card followed by as much of the credit union as you can. This will limit how much interest you are paying.After that, youll have to figure out how to balance paying off the 5566 left over on credit union loan and the Slate. Try to pay off the Slate before the interest kicks in. I think if you suck it up for the next 7 months, you can pay off both with your salary. Try not to pay a transfer fee if you can help it. 