conversation: User (KreamoftheKropp): "I have a balance of 200 on my secured card which is max, I know not good. Whats worse is I got a second card unsecured and now have a 400 and some change balance on that one. I just got the second unsecured card and I won't get into what happened but I was dumb. I have 300 I can apply immediately to one of these balances my gut is telling me just to go ahead and pay on the high balance and zero out the secured card when I get paid next week, and maybe I set that card aside and don't use it. I'm wanting to attack this the best way so it doesn't get out of hand. I would like to use one of the cards for uber and groceries since I don't have a car. Please help "
  Self: "After the minimum payment on all your debts, the financially optimal way to pay down debt is to put any extra money towards the we with the highest interest rate, just like the [wiki instructions say](https://www.reddit.com/r/personalfinance/wiki/commontopics)."
  User (KreamoftheKropp): "They are both the same. "
  Self: "Even better!  If they're both the same interest rate, it doesn't matter which one you pay down first."
  User (KreamoftheKropp): "I just don't want to get hit with high utilization, I guess I am reluctant to drop a payment down on the high balance card because the chargers were only from last week. Will this matter? Or should I wait till I get a statement then pay it down before the due date of course."
  Self: "Utilization is not worth worrying about even when you aren't in credit card debt."
  