You don't want these fees to offset any savings on interest. Write the checks for the entire balance on each high-rate card. Just make sure that the check totals don't exceed the credit limit on the lower-rate card. Now you're ready to conquer your debt. Start by setting a budget for making more than the minimum payment each month.
Many folks find their card debt piling up because they never eat away at the principal they owe.
As before, start with the highest-rate card and work your way down. If one card has an interest rate of 17 percent, put more money toward that than a card with an APR of 13 percent. It doesn't matter whether you pay off your credit cards with the highest balances or lowest balances first. You may find it easier to knock off the credit cards with small balances until you're left with just one or two high-balance cards. Fewer cards will help you obtain credit at other times.