<prompt> Human: I have a capital one quicksilver card with a balance of 2400 and a total credit line of 4000. I was forced to accrue such a balance during a tough time last fall, but I have actively been paying it down aggressively. I even called capital one and they agreed on lowering the interest rate by 10 for 7 months to help me pay it down faster. Is it still okay to be using it for groceries, gas, etc. when I have the cash on hand anyway in order to reap the benefits of the 1.5 cash back on everything?? Obviously I would just have to pay what I owe each month plus the amount Ive been throwing at it to pay it off. The cash for groceries, gas, etc. is already budgeted for, I would just be putting it towards the cc payment rather than up front at the grocery store or gas station.  <response>: Yes and no.Yes, if you absolutely need to spend that money anyway, may as well get a percent or two back. If you would just pay for it out of the same funds you would use to pay down the card at the end of the month, you dont gain anything by not getting a percent or two back.Dont use that as an excuse to spend a penny more than necessary until youve eliminated your outstanding debt, though. CC interest counts as your 1 priority short of a medical emergency or keeping your job. 