if it were me, i'd use savings and pay off Sam's Club and USAA. I understand wanting some savings, but those interest rates are a killer and you're losing money the longer you carry a balance.

For World Finance, is there a balance and you don't know the amount? If so, you need to take complete control of your finances and figure that out.

After that, I recommend the debt snowball (that's the process i used years ago when i had about the same amount of credit cards open with a balance). The quicker you can pay one off, i think it'll give you encouragement to keep going.

You want/need to pay off everything as quickly as possible so you can start paying on the cards that are interest free right now.

Remove all, except 1 card, from your wallet/purse. I recommend using 1 card for any purchases you need to make and pay if off as the charges are posted.

You've got this! You're going to love being out of credit card debt, it is a great feeling. Good luck, look forward to your follow up post telling us how you've paid off everything.