i agree with what others are saying. pay off the cc debt. try looking at USAA for a savings. i opened an account and put all my savings into there. they have a 4% APY. similiar to ING and HSBC, but i like knowing that the HQ is in the US. i'm not too sure about HSBC, but i know ING is an European company.

i feel you about keeping the money. i like knowing that i have cash readily available, even though the money basically belongs to the CC company.

good luck mang :thumbup: