<prompt> Human: My tax turn has already been filed and accepted by the IRS, so Ill be getting back 2700.00. I currently have 2500 in CC debt between two cards and no emergency fund. Im curious what others would do in my position and if paying off both CCs would be better or just pay of the higher interest CC, save the rest in an Emergency Fund and then put the money I was paying to the now paid off CC towards the remaining debt?Right now Im putting about 250 towards the cards a month.Edit: Including interest rates and amount on each CC.Card 1 - 1,286 with a 22.9 APRCard 2 - 1,406 with a 13.9 APRAlthough it does add up to 2700, my payment of 250 will be sent on the 4th so I put it as owing 2500.  <response>: Hi, first time commenting here...I agree with the first two post that you should pay off your CC debt. Then you can start putting 250 a month back in savings as an emergency fund. You were already putting that much toward your CC except now you are not paying interest. You can always use the CC if an emergency presents itself I believe someone also said this. In addition, when your emergency fund reaches the amount of your CC limit, or the amount you desire for emergency, you can close your CC. 