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But they absolutely profit from one very common behavior people with multiple cards paying “a little extra everywhere” and staying in debt longer at APRs that Experian reports have been at record highs. ​ So here’s the challenge tonight, do the 3card snapshot, circle the highest APR, and make that your Target Card for the next 30 days. ​ No dramatic lifestyle overhaul—just a smarter order of operations. ​ If you want, drop a comment with “3 cards” and your APRs just the APRs, no personal info, and a payoff number you can realistically hit each month, and you’ll get a clear “which card first” answer. And if this helped you stop donating money to interest, hit subscribe—because this channel is basically a support group for people who are done making expensive money mistakes.