<prompt> Human: Hello Personal Finance!I currently have a personal dilemma regarding my minimal credit card debt, and would like your advice Ive already asked many friends and have received mixed responses.Im 25 and I currently have around 1,400 in credit card debt. While thats not terribly high, its been looming over me over several months and I just want to pay it off! Ive gotten it down from 2,000 and have finally STOPPED using it besides my gym which is already automatically set up to charge there - 89month. I got into a terrible loop of paying of a large portion of it, but then I continued to use it and it got back up to 2,000.My current take home is just around 1,000 after taxes every two weeks. Im currently throwing between 100-200 at my credit card payments every paycheck. I also automatically throw 200 per pay check into my savings account.My dilemma now is that Im sick of doing this and just want to feel free and start over more responsibly this time. I have 8,000 in savings and am expecting to receive around 1,500 back from taxes. My question for you is:Is is more financially sound to use my refund from my taxes to pay off my CC debit now, or to put the entire check into my savings I like the idea of being at 10,000 in savings next month! and keep paying off my CC debt on a monthly basis. I could also realistically pull 1,400 out of my savings now and pay off my CC, and the put my tax money back into my savings when I receive it. Your thoughts would be appreciated! Thanks!  <response>: Dude, pay it off now while you have the means to. Assuming its not a low introductory rate, youll rid yourself of senseless interest accrual on that amount. As long as its not going to put you into a bind financially as well. Definitely good to have a savings goal!! 