<prompt> Human: Like the title says I have 4,700 dollars in my debit account right now.I have 3.5k in credit card debt. I am trying to get all of my finances into control after reading a bunch of the sidebar and creating a budget. The interest rate is about 20 apr for the credit card debt. Should I just pay the whole thing off right now?Should I pay half then half again in the next month?I will be able to get by paying my bills if I just pay it all off in one shot but I dont yet have any real savings.  <response>: Id pay off the whole thing today. 