<prompt> Human: Ok. I need help people!I have a total of 4 credit cards, which I have high limits on but are still stacked up pretty high. In terms of how this is affecting my credit it is barely not they are all under the 20 utilization. My credit is not the greatest but I am still doing good. So I have these for credit cards that total up to 23,678.08.I am waving my options and I do not know whether it would be better for me to just do a balance transfer and put everything in one of my cards that have a high limit 25K and start paying it off or if there is anything else that I could be doing?Let me know what you guys think!  <response>: if there is anything else that I could be doing?Yes- you should be doing a budget and tracking your expenses so you can cut down on expenses and figure out why you have 24K of credit card debt when you have a high paying job. 