text: Why don't you pay it off?  Get rid of all debt that you can.  It is the best way to keep yourself safe from rising interest rates.  If you can get yourself to the point that you are paying your CC bill in FULL every month and not carrying any balance from month to month you won't have any intereste acrued.  They don't charge you if you pay the balance in FULL each month.  As for Banks - maybe you have a line of credit with your's - Don't use it any more.  Just plain and simple.  Live within your means and not on the banks loaned money.