<prompt> Human: Im receiving 10k from a property sale and I want to use it to pay off all of my credit card debt which is roughly 9k. My question is, do I just pay them all off completely? Or do I cut them down to maybe a 100 dollar balance in each? I feel like Ive heard in the past that its not the best to pay them off completely. Just figured Id ask! Thanks in advance.  <response>: There is no reason to ever carry a balance. Pay them off completely. 