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No. of Recommendations: 10
I had hoped bank of America would offer me a BT for the full credit line of $7200.

Well, it can take a little while after you pay off to get into the marketing push for BTs. I would try looking online to see if they have an offer for you there. If they don't, then you could try calling and asking about doing a BT.

I don't like snowballing. There, I said it. I just don't like it. It bothers me to ignore potentially payoff-able debt to focus on just one debt at a time. I not only don't like it, I hate it.
And you know what AJ, I'm not doing it anymore. I'm going to back away from the car and student loan for now. But the 3k balances r fair game at this point.

If that's what works for you, then that's the best way for you to pay off the debt. There are always opportunity costs. If you were snowballing, the opportunity is having to continue paying more bills each month, at a gain of paying less in interest. If you choose to pay off smaller debts, you will gain by not having as many bills to pay, and your opportunity cost will be the extra interest you will end up paying on the AMEX.

For me, I'm a numbers kind of person, and to not snowball would seem to be less efficient to me. But, if you need to be able to pay off all of the smaller debts before you can concentrate on the big one, then you just need to acknowledge that, and set up a plan for that method.

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