<prompt> Human: As the title says, I recently discovered my fiancee has nearly 12k in credit card debt. Dont worry, were working through it. I have about 21k in my checking account I know, were learning how to better manage our money too and no CC debt of my own. Two questions:- Should we pay the debt off in one fell swoop, or maybe just a large sum to reduce it and then double or triple the minimum payments the rest of the way to keep a bit more of a safety net?- Does it matter if we pay it before the next due date, and would it benefit her credit rating more if we paid it at a certain time or in a certain way?Thank you.  <response>: pay it off once married just in case 