<prompt> Human: Im in a bit of a financial bind and dont have enough money in my checking account to cover this months CC bill. Ive been unemployed for a few months and have been stretching my savings to the limit but Im just about at the end.I have about 7k I could pull out of my retirement Im 28, so plenty of time to build more. I also just realized that my CC is 0 interest until October. Ive been paying the full amount every bill but I could get by with just paying the minimum this month. I feel like a job is just around the corner so this would be very temporary.  <response>: Dont pay penalties to pay down a 0 loan. You would literally be throwing money away for no reason. 