Should I use my savings to pay off my credit card?
Hi all. I (20M) decided to get a credit card last July, and though I was great about it at first (paying it off immediately every month), I stopped being so great, and it’s currently sitting at $2,821.52 with a limit of $6,000. The promotional rate (0% interest) expires 7/23/26 and I can’t seem to find what the rate will be after that. I really want to pay it off before then, but I’m between jobs right now and have no income, and honestly I’m just generally really stupid with my money when I don’t budget, and with no income, I haven’t been budgeting.
Currently I have $2,075.11 sitting in a savings account. It’s not enough to pay the full card off, but it pays most of it. My question is, is it worth it to use all of my savings to pay off my debt? I’m worried about not having any other funds in case anything happens and having to use my credit card and just ending up in the same pit. Overall I just really dont know what to do 😮💨 any advice would be super appreciated
Posted Jun 3, 2026, 11:43 PM UTC