<prompt> Human: Im sorry if this question has already been asked but I havent had the time to look through the sub reddit. I currently have about 3000 in Credit card debt and have recently acquired enough money to pay off the entire sum. I was told that it is better for your credit to pay off a credit card overtime and not all at once. Is this true? And if so, what do you recommend is the best steps for me to take to pay off my credit cards? Any feedback will help.  <response>: You should not pay interest on a credit card when you dont have to. This is addressed in our FAQ. 