The best replacement for pay off credit cards is save.

Лучшие альтернативы к pay off credit cards можно упорядочить следующим образом:
★★★★★  save
★★★  save for down payment
★★★  save money
★★  emergency fund
★★  pay down
★  put money in savings
★  keep money in savings
  contribute to 401k
  savings

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pay off credit cards
save
save for down payment