<prompt> Human: So between my yearly bonus and my extra monthly income after my expenses get paid monthly, I going to have abut 10k at the end of January. Ive been told that gradually wiping out my debt over several months would be better for my credit that just erasing it all with one lump sum. Currently owe 10,250 on my CCs combined. Which is the better option?  <response>: Ive been told that gradually wiping out my debt over several months would be better for my creditWhoever told you that is a liar or they are ignorant and you should never ever listen to their financial advice again. Your credit score doesnt care that you had or have a balance for x amount of months.Pay it off in a lump sum. Hands down a better option with 0 negative side effects.The only time you shouldnt be aggressively paying down CC debt is if you dont have an emergency fund of 3-6 months of living expenses saved up. In that scenario, the e-fund takes priority over the CC debt. 