<prompt> Human: I have a little over 5k in debt that I want to get paid off. I know using them as little as possible and paying more than minimum owed if I cannot pay the whole balance are some ways. Thoughts?  <response>: I know using them as little as possible Do not use the credit card if you carry a balance on it. if you do, even new charges are subject to interest, so until your cards are paid off, dont even consider using them. If you post your budget, with take home pay, all expenses and debts with minimum payments, people here can help you find some ways to save money, or optimize your repayment plan. 