[rattlsnak]

Here is what he says:
He cannot continue to pay the 550.00 a month. That monthly bill must come down. He doesn't know for sure what the interest rates are, but he thinks they are all "about the same" and he has had all three of them for @ 6-7 years and they are all close to the limit.

His primary goal here is to lower his monthly bills, while paying off the debt is "secondary", which is why he has to either pay the big one or the two little ones off as either way would lower his monthly bill the same amount.
He's trying to think ahead and see which way would be the best way from a financial point of view while maintaining his goal of a lower monthly output.

So at this point, assuming everything equal, would paying the min payment on two cards at a lower balance be better (quicker) than paying the min payment on one big card with a higher balance?
Which way would the other card(s) be paid off first? or cheaper? I would think time would be a factor as the longer you pay on them, the more you pay in charges...