<prompt> Human: Hello all, thanks in advance for any advice you can give me.I moved into an apartment 10 months ago and grossly underestimated the costs for furniture, dishes, etc. Stupid, I know. Long story short, my credit card balance has varied between about 900-500 depending on how much Im able to pay down and working overtime. I pay 19 interest. Would it be a good idea to pay it off in full I make about 850-900 biweekly and just charge my living expenses to the card? Would this eliminate interest?  <response>: I think that the best short term solution in your situation is to get a line of credit for your main bank account if you can, as interest rates on those are fairly decent.I highly recommend avoiding overdue balances on credit cards as much as possible, as 19 in interest is very unreasonable. There are usually much better ways to finance your expenses. On a side note, I purchase everything on my credit card, and pay it off in full every month. That way I get benefits for the credit card purchases and money sitting in my bank account.Hope this helps! 