<prompt> Human: Im also trying to pay off my credit card I was unemployed, and racked up a balance. For about a year, I was paying the credit card off in full each month. But now, even after using much of my entire check to pay it off each month, I still have 1800 left as a balance each month. For the most part, however, the balance is dwindling. With as much money as I am putting down after the 1st and 15th, I predict I will be able to pay the balance in full each month.My dilemma is this: my dream vacation is funded. All I have to do is pick a time and I will be taking the trip of a lifetime for me. If I use all do the rewards points to purchase a cash payment, I can pay off my CC in full and be current again each month. But, I will have to start over and begin saving for this trip that Ive been planning for years. Obviously I know the most responsible thing would be to use the rewards to pay for the cards. But at the same time, I know the balance will eventually he paid in full each month in a few months. What would you do? Take the trip and just continue throwing money down on the balance until its paid off in full in a few months? Or delay the trip, cash out the rewards, pay off the balance; and start over saving each month for the trip?My conservatism is telling me to cash out the rewards and pay off the card. But my other side is telling me to go fuck paying bills and travel for once.Edit: Im using Chase Sapphire Reserve Edit 2: The only reason why I have a balance in the first place is because I was unemployed for several months and had no choice. A year before that, I paid the balance paid off each month. So being responsible with the card is not a problem. But yet, I am still left with a balance.Second, I had thousands of dollars saved up in an emergency fund. The balance on the credit card happened after the emergency fund dried up :Edit 3: so it has come to my attention that I havent been paying even 1 of interest on my CSR. I guess CSR charges interest in purchases and as long as you pay off last months new balance, you wont get charged? Ive been making huge payments to my card each month and have been paying at least last months balance. Therefore, pay off the card in full now to avoid paying interest shouldnt be a factor as Im not paying interest in my total balance each month. Today I learned. There was so many great points and advice. I think what Ive decided to do is keep the points since I get the best value for them by using them on travel, Im going to double down and getting the balance 0 each month, shouldnt take me too long, build up my emergency fund after, and then go on one badass vacay to our formal leader The Queen.Thanks everyone!  <response>: You need to face reality. You havent saved up anything for this vacation. You are in credit card debt, you have the rewards points to pay it off. Pay off your debt. Then save for a vacation. 