Your older brother has the following loans and cards: 1. Four VISA and Mastercard cards:

VISA 1: Balance: $ 2,000, Limit: $ 2,000, Time with the card: 6 years

VISA 2: Balance: $ 2,000, Limit: $ 20,000, Time with the card: 6 years

MC 1: Balance: $ 2,000, Limit: $ 2,200, Time with card: 2 years

MC 2: Balance: $ 2,000, Limit: $ 2,100, Time with card: 6 months

2. Six Store Cards: Only one of them, JC Penney's has a minimum balance of $ 200.

3. A mortgage loan, which only owes 1 year. The house has an equity (Free Value) of $ 100,000 and owes only $ 5,000.

4. A car loan, which always pays late

Give your brother specific recommendations based on his needs.