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No. of Recommendations: 4
The problem is I want these balances gone, long gone. It's hard to focus on 13k which is HUGE when there is low-lying fruit like the car loan which I had up to this point been keeping out of my debt repayment attack. I also have the cap one at 9.9 which is 3400 right now distracting me and the bank if America in the 3k range at 9.9 also tempting me. So being truthful to myself I guess what is ultimately more important to me is achieving those zero balances. I'm going to forgo paying the car loan for now and focus on either Amex or possibly one of the 3k balances.

A plan that works for you is the best plan. Decreasing the number of accounts decreases the possibility of problems with accounts. Paying off 3K at 9.9% means you are paying $300 less in interest a year. Not quite as good as paying down a higher interest account, but it isn't a bad decision. If seeing the small account go away keeps you motivated to pay down debt, then do it. Maybe after paying off a small account, you can allocate some payment to the AMEX before starting pay off of the next account.
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