<prompt> Human: My credit card has 11,000 on it. Recently, Ive been trying to be much better at saving money, as my wife and I are aiming to save for a house. I bring in about 6600 every month, and have been splitting my paycheck between savings and rent 3200month - note: this doesnt include my wifes salary. I now have almost enough in my savings to pay off my credit card. Does it make sense to wipe my savings to clear out my card? Or keep going and making small payments?  <response>: You should keep a small amount of cash, perhaps 1000, on hand but it isnt sensible to be paying high credit card interest when you have the cash to pay it off. So pay off as much as you can and keep paying it off until gone and then start rebuilding your savingsx200B;x200B; 