Your suggestion to others regarding paying down debt is commendable. However, the term you used is not making sense. Why should a debtor focus on INTEREST when the most important factor here is the BALANCE. People aren't focusing on interest when it's the balance that is more important. The credit card out of many that has the lowest interest should be targeted and paid down as quickly as possible. Once that's done, the next credit card with the lowest balance should be targeted to pay down quickly. As for the other high balance credit cards, they must be paid too in a timely fashion but only have a little more than the minimum payment submitted (e.g. $20 to $30 more if possible). Remember, once a payment is received for the month, a portion of that payment goes to the interest once the credit card statement is generated for the month.