<prompt> Human: I started working full-time in May and am in pretty good financial standing now. I have been saving a bunch and have a good amount of discretionary income as well. The only debts I have are my student loans 25k and my credit card 620. I understand the basic concept of credit cards and how it can help the timing of managing my finances but I dont fully understand how to use them skilfully.My current credit limit is at 3,500; and I have been keeping a 500-600 balance every month my credit score is also pretty good at 739. So since my score is good, Ive been saving more into my savings account and slowly paying off my credit card around 100month. I have my Uber account linked to this card so I spend around 30-40 a month on this card interest. So my question is: should I work to pay off this balance 620 as quick as I can? such as not using it at all and paying 300month OR can I just stop using it and pay it off slowly such as 100-200month? I feel as if the latter would help me save more, as I need to pay for my car, phone, and student loans; but I also dont want to hurt my credit score. I feel like what I have been doing paying 100month has worked, it just that I have my uber account linked to the card which increases the balance each month. Assistant: If you are paying interest on your balance each month, pay it off ASAP.Human: the interest is not too bad at 11 a month. Is it okay to pay off the 620 I have over a span of 5-6 months?  <response>: 11month on a 620 balance is about 22 annually. That is quite literally one of the worst financial decisions you can possibly make. You are actually losing more money than you save every month by paying interest. 