<prompt> Human: So, this year Ive had three minor surgeries and have put all of the medical bills on my credit card. After moving to my new place, my savings is not nearly as high as it was. I always kept it around and never touched in case it was needed for an emergency.So, my question is this: My credit card bill is equal to 85 of my savings. Is it better to slowly pay of the credit card at twice the minimum which would take about 6 months? Or am I better off paying off the card and rebuilding my savings?Assistant: Pay it off and rebuild your savings. Worst case, you have a second emergency and need to fall back on your cards. But in all reality, why pay interest when you dont have to?This is what an emergency fund is for, by the way. :Human: Zing! But also true, you need to keep your cards clean, you can rebuild your savings faster usually than you can pay down your cards making Min2 payments. Building Savings is more fun anyhow, paying down debts feels like drudgery, where building savings makes you feel like you are accomplishing something! Hope it all works out.Assistant: I only have the single card and am currently paying back twice the minimum. The card is really rarely used...although someone told me its better to put everything on the card and pay it off from checking monthly rather than using checking for everything and having the card just sit.  <response>: I think that might be true from a rewards standpoint. But charging more or less to a card and paying off the full balance every month anyway, is not going to make a difference. 