[cercis]

infocus - if the debt gets into collections and goes to judgment, they will take any money you have in a bank account (and you'd be amazed at how easy it can be to find bank accounts to garnish).

I know it's difficult, but I'd pay half and half, half to the Visa, half to the store card and continue to pay the minimums you are currently paying (in case the amounts go down). Then every extra cent you get ahold of, pay half and half.