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Reply to "Don't want to pay off Credit Card "
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[quote=Anonymous][quote=Anonymous]OP here .. I realize this is stupid but I am nervous to cut it up as I have 3 kids and no emergency fund .. but I guess having it maxed out is the same thing as not having it since I can't add to it if I needed to. [/quote] If you pay off your card, you then have the credit available if a real emergency happens during the time you need to build up your emergency fund and savings again. If you sit on your savings and don't pay the card, the only thing you are building up is debt. [/quote]
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