đây nha
If you’re using your current income to pay off high-interest debt such as credit cards or other debt with double-digit interest rates, using some of your cash to decrease or eliminate that debt makes a lot of sense.

What could you be doing with your monthly cash flow if you didn’t have credit card payments? By paying them down, you’ll reduce your burden of monthly payments and minimize the associated opportunity costs. This will help free you up for more lucrative opportunities.