<prompt> Human: Hello everyone. I was just wondering what my best option is for using my tax refund. I have 2 credit cards with balances, one at about 900 and one at 3900. Im only getting back 1700 for my refund. I was thinking of putting it all towards the higher balance so I can bring that down a bit..but just wanted to see what you all would do. Thanks!  <response>: Unless the interest rate on the 3900 card is vastly higher, pay off the 900 card then use the rest on the other. It will feel better only looking at 1 number every month. 