<prompt> Human: Im wondering if I should pay off all of my credit card debts in one shot. I have about 7,000 that needs to go and im getting tired of paying monthly payments of 200 here and there.. I have the funding to eliminate the debt but its from my savings which makes me reluctant to use it. What would you guys recommend?  <response>: If you are being charged interest, pay off your credit card debt.Otherwise, its like your savings is making -20 interest, or whatever you are paying in credit card interest. 