<prompt> Human: Ive got around 3500 in CC debt spread out across 3 cards 2 at 0 until Mid 2015, the third is 0 until Oct 2014, which puts me at about a 14.5 debt to cash ratio. So I could pay everything off and not worry about monthly payments and whatnot which bug the crap out of me...or I could just keep paying per my debt schedule and have more cash in my bank. Im trying to figure out if one way is better than the other.Im not a fan of credit cards, but since I bought my house earlier this year, my monthly profits have damn near vanished and my account balance has remained steady if stagnantShould I just pay off all the debt now to get rid of it?  <response>: As long as you pay it off before you have to pay interest it doesnt make much difference.You wont be making much interest from the bank in a savings account. 