<prompt> Human: I have a fair credit score of 650. I also have a credit card that Ive been minimally paying and sometimes spending, but Im still using 90 of the credit. Ive had the card for about 10 years and am paying high interest. Financially Im now able to pay more, but Im wondering if its smarter to get a different card that I can take advantage of bonuses plus increase my credit score by doing so and in turn pay off some of the high interest card. I was thinking a card to transfer some of the balance Im paying high interest on. Any advice given my situation?  <response>: Pay off the debt, you havent shown you are trustworthy with one card, so dont go get yourself more availability to spend money. 