<prompt> Human: I have 1380 saved towards a trip that MUST be taken this October and a credit card balance of 2392 that has a 22.9 APR. The minimum monthly payment which is all I can make at the moment is currently 69. The funds saved will cover the hotel, rent-a-car, and gas but we willl definitely have enough by the trip for food etc. Would it be beneficial in any way for me to pay down the credit card with that 1380 and then using the credit card to fund the trip?In case any one would ask I have tried to negotiate with the CC company to lower the APR or get any kind of break at all on the balancemonthly fee but have had no luck. EDIT: Thank you to everyone who responded.  <response>: Mathematically, it works, but since you like to spend money you dont have, you may end up spending more on your trip this way since you wont be sticking to a cash budget. 