Debt
Would you use your 3yr old savings (no access until 21) if it meant you could pay a credit card off, and fully intend to pay back there savings plus extra
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Yes absolutely
yes
It's crazy that I'm currently in the minority by saying yes!! Absolutely do it. It's not like you've said, oh we need it to go on holiday. It's to pay off a debt which is probably accruing interest. It's a no brainer
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I’d get a 0% balance transfer credit card instead