<prompt> Human: I have a credit score over 600 but Ive only had my credit card for about a year now. I want to do a balance transfer with a different bank so I can continue building credit but Im not sure what I should go with  <response>: You should NOT carry a balance. Ever. It does not help you. You should open several cards, buy one thing on each every month and pay it off to have an on-time payment and also avoid interest. Like one for gas, one for groceries, one for your Netflix subscription... Call every 6 months and see if they will increase your limit. A high amount of available credit with low utilization can boost your score. The next biggest factor is simply the age of your credit. Dont close accounts, especially not your oldest account. 