<prompt> Human: I grew up in a family that is fairly responsible with our money. With that i was always taught that i should never be in debt. This has been a blessing and a burden. As i am building my credit Not doing half bad i am starting to see a trend in apps like Credit Karma and other places. This trend is Have you thought about getting a personal loan to pay off your credit cards? Am i wrong to think this is such a broken system? Why would it EVER be a good idea to do this?? That seems like the most unresponsable thing you could do to yourself! See here, to pay off debt you get more debt, ya see??x200B;But wrapping this up, oh redditors of the rpersonalfinance am i wrong. I just feel like i am getting jerked around with the credit system. I have spent my whole life saving and building good financial habits to be destroyed by how this system works. Is there a light at the end of the tunnel?x200B;I understand that they suggest it to build your credit portfoliox200B;Edit: spelling errors  <response>: uhh, thats marketing. they are trying to sell you a service.which its not a credit problem...its a human psyche problem. Humans are wired this way. to take the easy way out. 