What's 99 divided by 9,801

                                      __
99 divided by 9801 = 0.01

The debt ratio on the Murk is 45% 
The debt ratio on the Mini is 90% 
The average between the two is 63% 

Payoff are estimates only. Paying $375/mo with the highest interest rate first will have the Mini @ $50/mo paid off by Jul 2016 and the Murk @ $326/mo paid off by Sep 2016. What you'll do is pay the minimum on the lowest interest rate card and apply the remainder of the $375 budget to the highest interest rate card. When the Mini is paid off, combine that payment with the Murk and continue wit the $375 payments.