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Reply to "Help me spend my car payment!"
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[quote=Anonymous]The fact that so many people are baffled by the credit card debt OP has says more about DCUM than OP. Most Americans have significant credit card debt. In any case, OP, I'd do Amex first then work down through the interest rates. DO NOT buy a new car or set aside more money for savings. And... having one card at its max isn't what's killing your credit score unless you're missing payments or something. Your credit score is based on debt utilization, which is the total amount owed/the total amount of credit available to you (so: all credit card balances summed/all credit card limits summed). So, even if you pay off $500 of that $9000, it's not going to help any more than paying off $500 of any other card.[/quote]
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