pay it off, it's $11k which is a very managable sum and you'll be a better person for being responsible for it yes credit cards are a scam and that's why you need to pay it off and chop it up asap you're not one of the 1% of credit card users who pay off the balance each month and cash in on the rewards, you're part of the 99% who think they have it under control until your shit day turns into a shit week turns into a shit month before putting a capstone on that year
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