Pharr Family Budget • Strategic Debt Elimination
| # | Card | Interest Rate | Balance | % of Limit | Strategy |
|---|---|---|---|---|---|
| 1 | Chase Marriott (Sean) | 19.99% | $3,912 | 78.2% | Highest rate + high utilization — attack first |
| 2 | AMEX Delta (Joint) | 19.99% | $20,243 | 130.6% | Over limit + high rate — very high priority |
| 3 | AMEX Bonvoy (Joint) | 19.99% | $13,521 | 33.0% | High rate — next priority |
| 4 | Citi Costco (Joint) | 18.99% | $2,780 | 18.5% | Pay minimum, then attack |
| 5 | Capital One (Sean) | 17.99% | $0 | 0% | Currently at $0 — maintain |
| 6 | Fidelity Joint | 16.99% | $20,793.39 | 83.2% | High priority - pay down |
| 7 | AMEX Bevy (Joint) | 0% | $9,488 | 51.3% | Pay minimum only during 0% period |