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@rchl3321 So you're talking about leaving a little bit of money on the cc, the most recent payments that are still in the interest free period? it's fine I guess but across the year what are we talking about, havign 5% return on like an extra $1000 in savings? $50? I'd prefer the feeling of...

@rchl3321 it is very good that you're asking this subreddit for advice instead of relying solely on your dad. looks like you inherited some smarts from your mum.

@rchl3321 If you pay the monthly minimum you're paying interest? If you're paying off everything except the stuff in the interest-free period then you wouldn't really call it an outstanding cc debt? For me, I'd kill the cc debt every month - even if its still the interest free period - because...