En espaƱol | When it comes to credit card payment strategies, it's not always so easy to determine which debt to pay first.

Most financial experts will suggest paying off credit cards with the highest interest rates first.

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In fact, several cards had zero interest, while others were at 2.9 percent or 4.9 percent.

In short, I wasn't bothered at all by my interest rates, because they were very manageable.

If it worked, we wouldn't have millions of individuals and families who are following this advice still deep in debt.

One big problem with the standard "pay down your high-rate debt first" advice is that you barely see your balances budge.By comparison, the prime rate peaked at 21.5 percent in December 1980, and in the mid-1980s, credit card interest rates averaged a record 18.75 percent.So even though most financial advisers make the erroneous assumption that all consumers are upset about high interest rates, often that is not the case at all.See also: Should you use savings to pay off credit card debt?Personally, I don't subscribe to this well-intentioned advice, mainly because it clearly doesn't work for most people.This may be the case if you have a wallet full of store-brand cards, from retailers.