if you had some spare cash?

that's tough these days...I'd probably pay off my credit card

Dave Ramsey would tell you to put the money in your savings. He recommends that you build an emergency fund of at least $1,000 first, then get to your debt by utilizing the snowball effect. The snowball effect means you start with your smallest bill and pay it off as quickly as possible, then after that is paid off, roll what you were paying into your next "loan" or "bill" with whatever you were originally paying for that one. For instance, lets say you have credit card A with $1,000 and credit card B with $2,000. You'd start paying on the $1,000 first, and when that is paid off - roll that payment in with your payment on credit card B. The emergency fund is important to prevent you from having to use either of those credit cards in the event of an emergency.

Check out Dave Ramsey. The guy knows what he's doing. We've gotten out of close to $8,000 in debt in the past year alone. He has a course called Financial Peace University. We took that and learned all about everything to do with finance.

id try to do both if not pay my credit card off then i d have the $ to put away hope that helps take of you