<prompt> Human: Using the Credit Card Simulator, It says I would jump from 660 to 760 if I pay 50 of my credit card debt. Currently its about 12k out of 20k due to being unemployed for a while so I would have to eliminate 6k. I got a great job now and have over 15k in savings.  <response>: If you have 15k in savings, you shouldnt have that much credit card debt. Your just wasting money to interest. 