I owe around 50K (IRS) 20k (State) and 20k (credit cards). I have saved up around $40k. Out of Direct Debit or Credit Card or Debit Card, which method shall I use to pay the IRS?

I owe around 50K (IRS) 20k (State) and 20k (credit cards). I have saved up around $40k. Out of Direct Debit or Credit Card or Debit Card, which method shall I use to pay the IRS? I want to use all the cash I have now to pay the IRS first because that's the most stressful for me. It will be big relief for me. Shall I use Direct Debit from my bank account or shall I pay it through my Chime Secured Credit card (1.85% fees by IRS payment processors) to use this opportunity to produce a positive event on my credit report thro...

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