Where I am starting...

Citi - 22K
BOA- 22K
Att - 12K
Chase - 8K
JCP MC - 5K - no interest for 3 years
LL Bean - 3K
Sams - 800
SL - 800
Macy - 400
LC - 250 - no interest until March
VS - 80 ----
Target - ZERO - paid off
Nordstrom - ZERO - paid off


My plan is to start by paying off the wimpy balances on the following and in the following order:
I will start with LC because there is no interest - so pay it off!
Then the lowest balances first... and my student loan interest...



Once I get rid of these wimpy little balances I will start hacking down the BIGGEST credit card  with the highest interest rate - which I believe is Citi...

OR I should really start hacking the two that are at the limit - Chase and LL Bean. .... I should do those first... because they are dangerously close to being within $50 of the credit limit and if they go under I am screwed with late fees and other garbage... so I will do those two first... prob. Chase first.

So it will be the following:


LC - 250 - no interest until March
SL - 800 (student loan interest that is accumulating while in deferment)
VS - 80
Macy - 400
Sams - 800

Chase - 8K
LL Bean - 3K

Then
Citi - 22K
BOA - 22K

I will start there.... hope this works... God be with me. Universe conspire to succor me in my aid!