Focus on Bad Credit Limit?

Mike should get his credit card that's $900 over the limit down to the limit before working the debt snowball.

QUESTION: Mike is shredding his seven credit cards.  One of the cards is $900 over the limit.  Should he get that card down to the limit before doing anything else in the debt snowball?

ANSWER: You should bring the over-limit card down to the limit first.  You don’t want to keep getting tagged with penalties.  After you get that card to the limit, then work the debt snowball, smallest debt to largest debt.