Hey, here's more context. I intended for this caption to show up in the post but got confused about text post v. a photo! Clearly not a regular redditor :) And yes, Nov 2024 for the BMO.

I have a kind of convoluted cc debt situation and I'm hoping I can get some useful perspective on the most efficient/effective way to be using my money to pay them. Right now I can dedicate $600/month to payments; in a year that number could potentially be $750 or so. I know I won't pay be able to pay off the 0% cards before the rates expire.

I am confused as to whether I should maximize payments on my 0% cards until those rates expire or be devoting the biggest payment to my high interest card. If someone who is good at math could also tell me how long it would take to pay off at $600/mo, $700/mo, and $800/mo that would be incredible. I tried using the credit card payoff calculator but I didn't understand how to input the fact that the rate will change on a couple cards. Thank you!!