<prompt> Human: I am currently paying off about 300 a month and saving 250 a month. Should I just be paying off my credit card at 550 a month and then save once its paid off? Edit: Thanks everyone! Got some great advice out of this! I think I am going to reduce my saving if not completely cut it for the time being and crush this debt out of my life. Assistant: Assuming its normal credit card interest rates Id just pay it off.Human: I believe my interest rate is around 22Assistant: OP, who is your card with? If its with a bank, can you switch to a lower APR card? That might save you hundreds of dollars while you pay it off.Human: It is the chase freedom card. Is this an option? I was under the assumption doing anything like that would affect my credit adversely  <response>: Get a card at your local credit union that has low balance transfer or 0 introductory balance transfer fees and transfer the entire balance to that card. Credit union credit cards have much better interest rates in the single digit region.The pull on your credit report to get the new card might affect your credit a little bit, but in the long run both cards will have zero balance and having more available credit you arent using while you pay down your actual credit debt will actually help your overall credit score since your overall credit utilization goes down as soon as you get the new card. 