<prompt> Human: while there is 16k revolving debit on there. I tried to explain why it is better to pay from out debit card vs paying from our credit card which Im sure is costing us a lot more just in the interest. Please help me explain this to her.  <response>: If the amount added for bills are being paid off on a monthly basis this is a non event. Your wife isnt wrong. But yes obviously you should work to pay down the 16k of outstanding debt. 