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Like creditwise. I would start making minimum payments on the student loan, then worry about the retail cards. There's no interest rate attached to charge cards because the money you use isn't viewed as credit. And while we're on the subject of saving money. As you can tell, not paying credit card debt might be the worst thing you can do. There are so many offers how much of my mortgage payment is interest in the market which makes the person confused about which one to get. Be aware that cards with an annual fee usually offer a higher sign-up bonus (and better perks) than no-annual-fee cards. Generally speaking, unsecured debt is considered a negative more than secured debt like housing but ultimately all debt needs to be repaid and there are exceptions in nearly everything. Cardmembers will also receive exclusive invitations to private events as well as early access to select items.

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