<prompt> Human: My wife is a stay at home mom, with no income. She currently have approx 3,000 on a credit card with a 20 APR. She has about 9,000 in savings. I am leaning towards her paying off that card, but what are your thoughts? Should we stick with paying the minimum?  <response>: Pay off that card completely, today.Youd still have a good chunk of savings and in an absolute worst case scenario you could use the card for dire emergencies. 