<prompt> Human: So my CC is nearly maxed out at 3500. I pay the minimum each month 120 and then get slapped with a 76 interest fee so I feel like Im getting nowhere. Stupid I know wish Id never lived beyond my means. Anyway, I should be getting around 1000 back for taxes. Should I put that towards my CC? Or save it until I can pay it off in full? Im worried that if I pay a big chunk of my CC I will owe it all again in interest before I can pay it off in full.  <response>: Put the 1000 directly onto the credit card as soon as you get it. 