<prompt> Human: Im expecting a tax return that could either pay off a 10.5 interest credit card or put interest free car. I understand that long term, its better to pay off the debt with interest. Still, if we pay off the credit card, we only get 89 back a month, but we get 352 a month if we pay off the car. The 350 would go towards paying off the card, but could also be used for unexpected expenses more easily. Any suggestions?  <response>: Pay the credit card off. 10.5 interest is a lot. Then resolve never to carry a balance on a credit card again! 