<prompt> Human: I have two debts. One of which I can pay off. Need help deciding which one is financially smarter to pay off and the other one to pay off over time. First one is a Chase Credit Card totalling around 1500USD 22.49 APR with 15mon 0 interest Card was used for most moving purchases and maxed out as I was forced out of my parents house with short notice and no money. Second one is a Synchrony Card used to purchase a mattress when I moved to my new place. Totalling around 1400USD See reasoning for using it above. I would like to pay one off. Unsure which would be best for my credit score. Assistant: So when does interest start accruing for the first card?Whats the interest rate and when does interest start accruing on the second card?Human: First one still have 12 months before interest. Second one 48 months before interest  <response>: Be careful with that 0 mattress loan, they sometimes defer interest and if you ever pay late or dont pay it off on time all the interest that was deferred gets added to the loan. 