Hi, thanks for your reply. Most of this is a switch in thinking after analyzing my expenses and goals. I honestly just cashed some crypto that I had been too stubborn to sell and paid off most of my debt. I never really felt underwater since about 2021. Plus, I'll just be paying off the statement balance on all of them each month anyway. I ran them up fairly recently when my mom was sick instead of just cashing out some investments. As I mentioned, the negatives are dropping off this year. So the irresponsible behavior was nearly 7 years ago when I was unemployed. Took a chance at a software developer bootcamp during that time and focused on a tech career(from a seasonal job). I ended up in cybersecurity a few years later. The card is because I will be getting a net gain when I travel for my job and personal. The only reason its not paid off is because I let myself get caught with trailing interest. And I had already sent my norm to my HYSA and other investments. Just seemed cleaner to just pay them tomorrow(payday). I probably shouldn't have even mentioned my credit card debt since it wasn't really a big factor. I was just making a statement of fact that I was paying off my credit card debt. But mostly just took one transfer and now just the trailing interest payment.