<prompt> Human: Soo Ive racked up nearly 3000 in credit card debt and I dont know what to do. I have 12 000 in the bank but I dont want to spend it to lower my debt... I really like seeing that number. What options do I have with reducing my debt and keeping that amount of money in savings??? If I make the monthly payment it will take me a few years to pay it back, I dont think thats a very good option. Thanks for your help.  <response>: Is this a troll post?Would you rather pay 3000 now, or possibly 6000 over a few years? 