<prompt> Human: Hellooo reddit! This is my first post and boy is it nerdy.Id love financial advice on what makes more sense, to pay off a balance on your credit card typical Chase APR, or continue squirreling away that 15-20 per paycheck in savings?More deets: every credit card cycle I pay off the balance and I usually have 1200-1500 in charges per month. With each biweekly paycheck I try to put 15-20 in my savings account for that emergency pot 7000 now. But if I have a month of high credit card balance like 2000, should I take money from my savings to pay the remaining balance? Or should I let 300-400 dollars sit unpaid on my cc?Thanks guys!!  <response>: Never carry a balance on your credit card. 