<prompt> Human: Hello all! My husband and I decided to not have a wedding and instead went on on epic trip and threw a party instead. We have a good amount of money in savings, but wanted to put everything on a joint card to build credit, as well as space out the payments. We have less than 5,000 of CC debt and are able to pay it off in one lump sum, but Ive heard that that can hurt your credit. I hate having any amount of debt and have been itching to pay it off ASAP so its off our backs. Our 0 APR ends in August, so I definitely want it to be gone by then. Whats the best way to handle it? Thank you!  <response>: Pay it off. Dont carry a balance. 