<prompt> Human: I have a line of credit through my credit union that I have been paying on, and being that its through the credit union its a low interest loan. I can borrow against it anytime.I have a card, store card for auto repair with stupid interest, that I want to pay off. With the LOC I can pay the card off.Would it be smart to do that, then just have the one payment to knock out the LOC? I see argument both ways, so hopefully someone else can sway me one way or another.  <response>: As long as you pay less in interest and you make monthly payments, I dont see why not 