<prompt> Human: 32 years old. Make 85k a year plus commission. Monthly bills total around 3000 a month. I have 3,300 in credit card debt. About 12k in savings. Im just slowly chucking away at my credit cards. I have low usage. Total use is under 15. Credit score is 747. Should I just pay off all my credit cards with my Southwest Airlines card to get the rewards points and then pay that card off in full within 30 days using savings? Or should I just pay it out of my savings? Do you think having zero cc debt will negatively affect my credit score?Between my vehicle and mortgage my total debt is 240,000  <response>: Or should I just pay it out of my savings?yes 