<prompt> Human: Had to have my gallbladder removed recently hello, aging and despite having decent insurance I am facing 6500 in medical bills. I have an emergency fund, and could pay it off immediately if I had to, but I think seeing a drop in my e-fund like that would make me feel less secure. My e-fund covers 3 months expenses, and I have other savings that are invested outside of my retire investments. Im considering opening a new card with an interest free intro period so I can pay it off over a few months, feel less crazed about seeing my e-fund be trimmed down to about a third of what it is now, and get those sweet, sweet points. I already have a capital one venture card, which I love. I also have a visa through my credit union with a very low APR. Thanks in advance!  <response>: Ask the hospital finance office to set up a payment plan. 