<prompt> Human: I have 10,000 saved for what was going to be a future down payment for a house. But as I look at my credit card balances, Im wondering if I should use that money to pay down the almost 16,000 in credit card dept I have.CC 1 is about 9,500 with 21 intrestCC 2 is about 4,500 with 10 interestCC 3 is about 700 with 10 interestI am able to pay all my bills with my income, but Im not sure whether I should let that other money sit in the money market account and accrue the 3 or 4, or if I would be better off financially to pay off one or some of the CCs.I am also not looking to buy a house anytime soon, I just thought it would be smart to start saving. Any advice would be appreciated.  <response>: Pay off the CCs, youre paying more in interest than you are making with that money in saving. Pay off highest interest. 