A small idea. Perhaps others here may have a thought...Pay off the $1200 and $400 cards. Find which of the four have the lowest APR. Transfer the balances on the $1800 cards to this card (if possible), then send the remaining $400 from your checking account to this card (perhaps calling this card and explaining what you would like to do). This gets you down to one card (with the lowest APR) and a total debt of $3200 remaining. You stated that you began saving about two months ago and have $2000 in your checking account. If you can save $1000 per month, then you are debt free in a little over three months.Anyone have any thoughts on this?Rogue31"Whaddya mean overdrawn!?!? I still have checks left!"
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