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Which Credit Cards Should I to pay down below 30%

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I have four credit card accounts that are maxed out.

3 are $12k each, 1 is $30k.

I have gotten some money and so can make payment and reduce the balances.

I do not have enough to get all accounts below 30% (Debt to Line), But can make some
accounts under 30% and the rest below 50%.

Which scenario improves my credit score the most?

Make the three smaller accounts below 30 %, and the larger account below 50%.


Make the larger account below 30%, and the smaller accounts below 50%


Please advise?

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Pay off the ones with the highest interest rates.  Cut up those cards.  Your credit scores are so screwed up with $66k in unsecured debt that the "below 30%" trick is useless.  Stop paying interest.

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