<prompt> Human: Ive got a credit card with 8k balance. It has some reoccurring payments on it like my Hulu Netflix XM radio and things like that. Would it be wise to get another credit card and put those payments on that one so my old one wont be applying interest to those payments every month while Im trynna pay it down to a less stress filled amount.  <response>: Dont underestimate yourself - young does not correlate with dumb. Youre searching for the right answers and thats a great first step. 