<prompt> Human: I have 3000 on my credit card, and about 3100 in my savings account. I could easily pay off the card with the savings account, but then Id have no money in my savings. That would be a huge blow to me, to be honest, since it took me quite a few months working as a contractor to save up that money before I went full time and started paying taxes.Im trying to pay 500month down on the card 250 from each paycheck but thats proven difficult as I get too low on money end up dipping into the savings once in a while. Any suggestions here on the best course of action?  <response>: Pay it off. Unfortunately, if some unexpected expense comes up you will have to borrow again until you can build up a buffer of savings beyond what you owe. 