<prompt> Human: I have a CC where I BTd to and it has a 0 interest rate. Balance is about 5K.I have just north of 5K coming back for my tax return. I can use this to pay off this credit card. However, the 0 period goes until November 2017. I was thinking of waiting until closer to then to pay it off, and use the 5K in an investment account or something.What do you recommend I do with this? I was thinking of putting it into some form of a bond ETF within my Vanguard Roth IRA. Let the dividends grow, then take out the 5K. Hopefully the principal stays pretty constant. This, or I can just toss it into my Ally Savings. But I dont want non-withheld income if I can help it for 2017 taxes next year...Thoughts?  <response>: I would pay it off as soon as I got the money. I dont think you will make much money on investing it for a few months. 