Ok, first of all I have excellent credit, never been behind, never late, never over the limit. I have lots of cards probably 2 dozen. I only use 2, the rest just sit in my drawer at home. I owe about 25 grand on the 2 I use (I don't really use then anymore just trying to pay them off) but they are not maxed out, they still continue to up my limits. I am trying to figure out what to do. I know it looks bad to have this much revolving debt but my interest rates are only 3.9 on both cards (I told you my credit was excellent) This is the only thing I owe (ie no house payment, no car payment). I have come into some money recently. would it be better for me to invest it and still pay $1000 a month (not the min. payment) until I get the credit cards payed off or just to pay off the credit cards first?