<prompt> Human: Hi all!Ive had the same Chase card when I first got my drivers license and have had it for the last almost 15 years now. I went full retard when I was younger and maxed out about 6 different credit cards lolIve now slowly paid all of them off except for one and would like your advice. Its a 14.5 years old Chase Slate Card I have about 5,600 left to pay off its currently at 12.74 interest According to CreditKarma, my score: TransUnion 700 and Equifax is 703Should I transfer my balance towards a new card? Like the Chase Freedom Unlimited? I dont really make purchases on the card anymore...Ive just been slowly paying this one off while Im still in school.Thanks for any advice!  <response>: Thats really not a bad rate for a credit card. Many cards have much higher rates in the 18-24 range. Only transfer the balance if you can get a better rate that will last as long as it will take you to pay off the balance, and remember to consider any balance transfer fee as part of the cost. 