<prompt> Human: Im almost half-literate when it comes to personal finance, so my older brother asks me for advice with his money. But, I really dont know what Im doing and I dont feel qualified to give advice, so I decided Id ask you guys for advice on his behalf. He writes me:Im getting a bonus soon that could be anywhere from 3000 to 4700 depending on how it gets hit by taxes. I have an outstanding credit card for 1600, which I am current on right now the min payments are absurdly low and there is no interest; this lasts till September. My first thought was be to pay down this credit card completely, and then plow the rest into savings. I would certainly get a lot of gratification from paying down my last credit card. But whether its wise really depends on how it would affect my credit score and how soon. If April is too soon for this to significantly improve my score, Id rather keep the cash around in case of ridiculous moving expenses, then pay down some or all of the credit card after settling down post-move.Any idea about this credit score thing? It certainly does look like my credit will improve by paying this shit off; I just dont know whether itll show immediately.relevant info: hes 25 years old, in NYC about to start apartment hunting; will be moving in MayJune hes really worried about his credit score because he believes landlords and property managers care about that makes like 65kyr I think has student debt puts 6 in his 401k employer matches to 4 has no emergency fund, and rarely has any liquid money has no financial planadvice? ThanksAssistant: Yeah Id pay off that credit card. He could wait until September, but is there really a better use for the money until then? Id just pay that off so I can forget about it and put the rest in savings or investments. Human: his main thing is that hell have moving expenses, and has no money saved for that expense  <response>: It would be silly to finance his moving costs with credit card debt, which is what he would be doing if he didnt pay off that debt. So yeah, Id still pay off the CC debt and save for moving separately. 