u/lckyguardian

It’s been a rough 4 years, however I am not using any of these CC’s anymore. I can finally rely purely on my bank account.

I have an extra $500/month to contribute towards debt and my question is whether to follow the 3 year payoff plan the CC statements have and pay them all off in 3 years exactly at the same time, or do I put the $500/month extra purely on the high interest $13K one until it’s paid off and then snowball that payment into the $7K one, then keep the snowball going into the $15K one and finally pay off the $8K one last following the “pay off high interest first” method.

Thanks in advance, r/DebtFree. All input welcome and I’m not at risk of bankruptcy for now.