<prompt> Human: I was in a car accident the car was completely paid off and as a result the insurance company of the person at fault will be paying me a check to pay for my car as it will be considered an economic total loss. This check will be big enough to pay off all of my credit card debt. I could pay off all of my credit card debt and get a car loan for the used car I plan on getting soon and have manageable monthly payments on that. Or, I could use the check to pay for most or all of the car and continue to pay off my credit card debt in chunks.Or maybe I could just save it and use the money as a back up for both.Which would be the better idea? My SO and I live together and were moving soon because hes going to grad school and Im currently looking for a job for when we move in August. Im worried about the possibility of a gap in employment and paying my bills until I secure my next job.EDIT: Credit card debt: about 4500. Insurance check, still working on that. I was given an offer but I am allowed to counter offer, probably will be around the same amount as the debt though. If anyone has advice for counter offering please feel free to advise or point me in the right direction. Credit rating is around 700-730.I should also mention that the 4500 I recently moved to a 0 interest credit card where it will be 0 interest for 12 months. I just hate having it over my head.  <response>: Need the following: Interest rate and amount of CC debt Amount of insurance check Approximate credit rating wouldnt hurt 