<prompt> Human: I have 6500 of credit card debt split across 2 cards, and have been carrying that balance and paying just over the minimum each month. I have the cash available to pay them both off today. Should I pay it all off at once, or pay it off over a little bit of time? What are the proscons? Thanks!  <response>: All at once. Your credit score will not be better if you make payments for a longer time, but you will pay way more interest. So just get it over with. 