<prompt> Human: I had a emergency about 2 months ago and I had to charge 2k to a credit card I just got the card and they offered me no interest for 14 months but know I have enough to pay it off.Is it smarter to pay off my debt if I can afford it now or should I just pay the minimum payment until the interest kicks in 17 in about 12 months  <response>: False dilemma. If you want to take advantage of the zero interest period and dont plan on adding additional charges to the card. Divide the amount you owe by the number of months at zero interest and pay that amount each month. It will be higher than the minimum payment most likely. But, what is your reason for leaving this hanging over your head if you have the money now? 