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Milli1

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2 credit cards with a 0%, is it better to pay the balance off early, so I have extra cash end of mth

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Top Contributor
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Depends on your goals.

Some people would say make the monthly payments over the 0 apr period and then  pay it off before the end.  building up your payment history.

I would say pay it off now as long as you are not going to be cash poor.  That is you still have monies in your savings of atleast 1000 or more.   As for the payment history even if you don't charge anything on the Credit card and you send them 1.25 each month it will count towards your payment history.

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