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3 credit cards, how much should I pay on each?
I have around $7k in cash coming my way. Trying to decide how best to use it. Credit Card #1: APR 21% ~$3,000 owed. #2: APR 20.5% $6300 owed. #3 APR 17.5% ~$4000 owed. When you pay off a credit card, are they quick to offer you a balance transfer afterward? I was thinking of paying off card #3. Then, if a balance transfer is offered, I can transfer card #1 &/or #2.

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Once you get that third card paid off, keep your usage no higher than 10% so you are able to pay the statement balance in full every month so you are not wasting money on interest payments.

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Pay off card numers 1 and 3, which brings their balances to zero. This gives you one card left to attack, which you need to pay down as fast and as hard as you can.

You will find that with two cards done, the interest you save will give you a lot of extra money to throw at the remaining card, which in turn allows you to pay it down faster.

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