Another update, Amex is paid off!
Three more to go!
This is my current debt, in the order I want to pay them off, I am doing it by balance
Visa
Balance: $2800
Interest: 12.99%
Available balance: $4200
Monthly interest fees: $31
Annual Fee: None
Monthly minimum: $50
Personal, non revolving loan
Balance: $5336
Interest: 16.45%
Monthly payment 360, out of which 85 is interest, 275 goes to principal
Monthly interest fees: 85
Car loan
Balance: $8915
Interest: 5.95%
Monthly payment 297, out of which 49 is interest, 248 goes to principal
Monthly interest fees: 49
Paid for accounts
Care Credit
$5000 available credit @ 23% (only for health services)
Annual Fee: None
Amex
Available balance: $2000 available credit @ 27.24%
Annual Fee: None
Those interests are ridiculous, keeping for now in case of a world crisis emergency or something.
When my credit recovers I plan to get better ones to replace those.
More recently, my debit card pays rewards, so I am even less motivated to ever use credit cards, even if it is to pay in full monthly. They will become a piece of plastic using space in some drawer. no?