Paid off $4,300 of card debt with a $50 auto transfer, but my wife says it was a bad move

Grant Dixon · 2026-10-02T23:20:03.904486+00:00

I set up a $50 auto transfer to my Visa every Friday back in March and just checked the balance, $4,300 gone in 7 months. My wife says the money should have gone to our savings instead since the card was 0% APR for another year. I think the win was never seeing the cash in checking, but she thinks I left free money on the table by not letting the savings grow first. Who is right here, pay down the card or stack the cash while it is interest free?

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Paid off $4,300 of card debt with a $50 auto transfer, but my wife says it was a bad move | Broke to Boss Money Talk - Rigidtalk