[the-come-ons]

I am not a multimillionaire yet, sorry.

If $3000 was all that I had, the one thing I would do would be to a) get a job or b) get a second job (work hard while you can). I would then immediately pay down my credit card with the $3000. Then, with the money from my paychecks, I would save $1000 into a regular savings account (for emergencies). More work more money. Then I completely pay off my debt. I sure as hell hate debt! After my card is paid off, I start adding that old credit card payment to my savings plus anything extra that I possibly can.

It is more advantageous for you to stay out of debt now (and forever). I think you will feel better.