Share your insights or perspective on the financial matter presented in the input.

Snowball debt or pay off a large amount?
I agree with the Dave Ramsey method as well. If you don't have $1k in the bank already, do that.  Total up the smaller debts and the best buy card.  if they are $4k all together, then pay them off.  Don't get caught up in keeping the smaller one around because they are at zero percent.  If they exceed $4k, then payoff the interest bomb best buy card, then pay off the smaller ones, starting with the smaller balance.  That is the only tweak I will make here.  Dropping any amount into the Citi balance is pointless because it only reduces the amount, not the total number of hands reaching into your bank account.