<prompt> Human: So the wife and I are in a bit of trouble. Nothing bad yet, but I want to keep it that way.We have about 7500 in credit card debt that weve made no headway on in a year. Its a Discover card with a 24.24 variable interest rate.We have two new daughters in a nice daycare which eats up just about all of our income. Both cars are paid off, student loans are paid off, and house is financed for 15 years which were about two into. We dont have any really extravagant spending besides daycare which is about 23,000 a year total for both kids. We dont want to drop to a cheaper daycare.So, to pay off 7500 with a high interest rate were thinking of a few things.1. transfer to another credit card with 0 interest on balance transfers for 18 months and pay it down. I already looked at our existing other two credit cards which have 0 balance and they dont offer balance transfers so wed have to sign up for a new one.2. Get a personal loan from the bank or credit union.3. Stop contributing to retirement accounts and put that towards credit cards.4. We just got a 3700 tax refund. In the upcoming year we have AC repair, new car tires, dishwasher, and no emergency fund so I was thinking of using the refund for this.What would impact our credit the least? Were in the 710-750 range so I dont want to impact it too much if possible.Were 32 and 33 years old with steady jobs, if that matters.Thanks for the advice, Ill give any more specifics that are needed.  <response>: I agree with ugenini1. I think youre in more trouble than you realize. Im curious as to what your budget is. You have no car payment or loans, you have two adults with steady jobs, but youve not been able to pay off 7500 over the course of a year? Id think carefully about the purchases that you say you need. You probably dont need a dishwasher. If you do need car tires, make sure you shop around and dont get expensive tires for no reason. AC repair is probably pretty important. If youre getting an employee match on the retirement funds, then keep doing that. Otherwise stop and pay off the credit card. 24.24 is insane. 