Plan a Payoff Order for Scattered Small Debts Across Apps

A buy now pay later balance here, an overdraft there, a card you barely look at: none of them feel huge alone, so nothing gets prioritised. This lines every debt up by real cost rather than balance size and tells you exactly where extra money should go first, and next.

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You have several small debts spread across different apps and cards, for example a buy now pay later balance, an overdraft, and a credit card, and are not sure which to clear first. You can put [amount] extra towards debt each month on top of minimum payments.
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<task>
**Plan** a payoff order:
1. List each debt with its balance, interest rate or fee structure, and minimum payment
2. Rank them by cost of delay, not just balance size
3. Show which one the extra [amount] should go to first, and what happens to the order once that one clears
4. Flag any debt with a hidden cost, such as a buy now pay later late fee or an overdraft that behaves like a high interest loan
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<output_format>
A ranked list from first to last debt to clear, with one line of reasoning per debt, followed by a simple month by month payoff order once extra payments free up. Plain English, no financial jargon.
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