Starting with this month's statement, one of my credit cards will be losing it's 0% intro APR with just under $2500 on it. The minimum payments ($40) won't be enough to cover the new interest (25.99% variable) that will build up on the card. I am currently following the Prime Directive flowchart and I'm still in the first step of building up one month's emergency fund ($2700). I do have a pre-approved personal loan offer from AmEx for $3500 minimum at 13.97% interest over 36 months, which will come out to $120/month. I'm not sure whether I should continue to focus on my emergency fund and let the interest on the credit card build up, or if I should take out the personal loan to pay off the card and put me forward in saving up money for the emergency fund. I've done the math with my own budgeting spread sheet, and currently it will take me 8 months to build up $2700 in savings for one month expenses, while taking the personal loan will put me at 7 months to get there with the extra money but increased monthly payments. Any ideas on how I should handle this?