<prompt> Human: Hi All,I currently have 4,300.00 in CC debt. 3k is on a 0 APR until September 1st then its 24.24 Chase Freedom Card, 1.3k is on a Southwest CC through Chase 16.24 APR. I have 500.00 in cash. I have a check coming on the 15th that will be about 1,100.00. I have a car payment and car insurance payments on the 18th that total 490.00. I have a bonus check coming this month that should be around 3,500.00 but 75 is going into my 401k so after taxes it will only be a couple hundred dollars that I actually see. My 1.3k payment is due on the 14th. I looked into transferring the debt into my 0 APR card but it wouldnt let me as it was chase to chase. It appears I would only pay less than 20 of interest for the month but going forward what is my best move. To give you some background My checks are actually about 1,500 every other week but I put 500 into my 401k 50 match up the fed max to take advantage of 250 in match Im on track the reach the fed max of 18k this year. I was keeping up with payments even after this but over the last month Ive made some pricey decisions and decided to go to Europe about 3,000.00 in cost over the summer. I graduated last year and started work right away and have never left North America - but Im starting to feel guilty about the trip now. I was thinking of opening another 0 APR card and transferring balances over to it? How will this all affect my credit? What options do I have? I believe it is more wise to keep a debt on my credit card then to stop paying into my 401k as I get such a great match, but thoughts? Once I pay off the 3k card I wont be using it again as it has worse rewards and higher APR than my Southwest Card. I plan on paying it off just after September and then putting all expenses on my Southwest card.  <response>: Well with that 0 APR card, you need to read the actual terms, but usually if you dont pay it in full youll be fined ALL the interest you would have acquired throughout the promotion nearly instantly.If I were you, I would not put the money in your IRA and throw the it into your debt, then cut your cards and never use them again. 