It is always better to pay off your credit card bills and be debt free. Some of the main reasons is because you will save your self a lot of money in interest. The banks love for you to pay your monthly minimum because this is how they make all of there money in interest. Also you want to not have your credit card charged all the way to the max because it will have a negative affect on your credit score.
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What you want to do is decide what monthly expenses that you currently have that you can either reduce or do without. For instance if you go to Starbucks every morning maybe instead of getting the $4.75 fancy cup you can get a plain $1.50 cup so that you will take the extra money you are saving every month and pay off your credit cards. It is an easy thing to do but you must be serious about getting out of debt.
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Also with gas being at $4.00 a gallon it may be a good idea to carpool to work, also when you are doing your errands you may want to map out were you are going so that you take the shortest root, this can save you a lot of money every month that can go directly to paying off your debt.
It is always a good idea to get some expert advise because a professional knows exactly what you can do to get the help you need to get completely debt free.
