<prompt> Human: My credit card is at 988, and Ive been paying it 250mo while I was saving for tuition. Paid my tuition and Im left with 1021 in my savings. Is it a good idea to pay off the credit card all at once or should I just make more aggressive payments of like 400 for a couple months? My luck is that Id wipe my savings for the cc debt and then immediately hit a deer or something. But if that came up I could put it on the credit card right? Am I overthinking this?  <response>: Dude, just pay off in full. If you have an emergency... you can put t it all back on the card. No biggie. 