My Chase Freedom Flex had $4,900 available. I made a $4,200 purchase. Approved, no problem.

Card is on a 0% interest promo period until 9/23.

I have the money in savings to pay it off, either all at once, or over the remaining 6 months. BUT, a lot of that money is in High Yield Savings accounts earning 4% or more. I'm having trouble in my mind justifying taking the money out of savings in large amounts to pay a card that isn't costing me anything.

Plan is to do $250 or more each month to bring the balance down then transfer to another CC that will be on a 0% interest promo until 12/23.

Money will be earning interest longer on larger balances. Income will allow me to keep the status quo longer too. Either pay the card bill or just take less out of savings.

Only downside I can see is the potential credit hit for higher balance, less available, but I'm not sure that matters to me. Currently 800 or more on the various sites. If it drops to 770 or so, I'm not sure I'll care.