Hey everyone! So im in a bit of a predicament. I just want to ask what’s better. So long story short I have a lot of CC debt and I’ve been working to lower it so I can refinance with a personal loan so I can pay a less amount of interest and manage my payments better.

That being said. One of my cards i happened to increase the spending, so my statement was $2800 and now it rose to $4,007 and the statement is due on Wednesday. I know that will easily dope my score a bit. But I have 2 other cards who’s statements are due in 2 weeks. But the amount left due for these cards are a combined $900.

So just want to ask. What do y’all think looks better. Paying off 2 cards and dealing with the higher balance of the other card or vice versa paying off the increased amount of the first card and having a relatively similar statement with no visible change in my payments?

If this is a dumb question. I’m sorry. Adulting is difficult and I feel shy to ask questions because then I feel dumb.