<prompt> Human: I will be getting roughly 7k after all is said and done with the sale of my home. I also just received my tax refund for 1400. I put 1k on my secured credit card immediately from the tax money, bringing the balance owing to 500 its a 1500 limit.I have another card Ive been slooowly paying down that is a 3k limit I dont have an exact number but for the sake of argument lets say I owe all of that. Once paid off, this card will be cancelled as I hate it and its a shitty high-interest one.I also have a loan of 1400 to my best friend from last year when I unexpectedly had to take a month from work and have serious surgery. She is out of country and we discuss this loan often, she is in a fantastic place financially and there is no pressure on me but morally I hate that I had to borrow, so Id like to make sure it goes back to her as soon as possible. These are all of my immediate debts.Should I just pay everything outright immediately and start with a clean slate? Or should I set up a second account and make monthly payments without using the cards? Or another option? Thank you!  <response>: A Pay off any debt you are being charged interest onB Dont cancel credit cards you arent using unless there is an annual feeC Interest rates on credit cards dont matter if you use it the right way and dont carry a balanceD Since you mention you have had to borrow money from a friend I would wager you have no emergency savings. Work on that with the money you arent wasting on credit card debt. 