<prompt> Human: I have just under 1600 in credit card debt on one credit card, and Ive been struggling to pay it down for a few months now as fairly large expenses keep popping up. I make okay money 2kmonth take home but just cant seem to get ahead on this. I have almost 250 in points that could be put towards anything. Would it make more sense to pay the balance down or have some fun with the points once Ive paid it down without the help of those points?  <response>: You are losing more in interest than the points are worth. Use the points to pay down the credit card balance ASAP. 