IF YOU CARRY A BALANCE ON ONE OR MORE CREDIT CARDS, YOU'RE NOT ALONE: ACCORDING TO THE FEDERAL RESERVE, NEARLY HALF OF AMERICAN FAMILIES DO. AND NEARLY HALF OF AMERICAN FAMILIES ALSO HAVE SOME SORT OF BANK SAVINGS ACCOUNTS. IF YOU HAVE SAVINGS, SHOULD YOU USE THAT MONEY TO PAY OFF YOUR CREDIT CARDS? THAT'S THE QUESTION TACKLED IN THIS REPORT BY MONEY REPORTER STACY JOHNSON FOR HIS SPECIAL SERIES, "THE BOTTOM LINE."