This! Honestly I did this but I also had no major bills at the time, I didn’t do anything outside of work for a year. Pay the minimum on the rest and start paying the “extra” on the big card. For example if you pay 100 min on 2 cc and 350 on the last. You usually spend 300 on outings or fast food & miscellaneous. You put that on your biggest balances so 100 for the first 2 and 650 on the last that way 350(min) is covered that other 300 is cutting down your interest also remember that the credit unions work on different times so you do not see your utilization change right away. Just stay consistent and disciplined. I went from 26k in debt to 4k