<prompt> Human: Hello everyone, hope you are well. I would sincerely appreciate your advice on my situation. I come from a family where the credit card is seen as a good solution to buy things; that way you can make small payments. So when I got my first credit card 1200 limit I used it up in 3 months. A lot of bad financial decisions later I ended up having close to 40k in credit card debt - I have no clue where the money went. Anyway I browsed reddit and learned about the Snowball method and having been saving up a lot of money. So I would like some advice or guidance on my situation. - My current debt is at 21,000 1700month payments- I have a car loan on which I or about 10k 300 payments- make 4500month after taxes- 32000 in savings- rent of 700monthI was wondering should I use my savings to kill my cc debt?Thank you Assistant: I was wondering should I use my savings to kill my cc debt?unless its at 0 interest, yes!Human: Sorry for being dumb. What do you mean by unless at 0 interest? My CC? If so, no they range from 15-20 interest  <response>: Pay them off ASAP. At interest rates that high you should have been paying them off before accumulating so much savings. 