<prompt> Human: My bank offers credit cards, which a long time ago, during promotional and sign up were ZERO interest.Its been, like, 10 years since first signing up with these cards. Today, I found out, they have 18.99 and 19.09 interest rates on them.I have card A paid down to 130, and card B is 1700. Making minimum payments each month.I used my tax refund to pay down card A to below 30, which made me actually take a look at them closer, and instead of blindly paying 50 bucks here, 30 bucks there never actually looking at the empty pit these credit cards are. I dont know how this works - consolidating credit cards, or getting a Mastercard to buy off my balances on these 2 high interest cards and then just pay 1 credit card bill instead of 2?My only other credit cards are: 0 balance Furniture card. A 150 Best Buy card, which I only pay the minimum on. Best Buy usually gets paid off almost fully, then we purchase something else, so it gets used rather well, I guess. Furniture was used once for a couch, but is still active. Might get a bedroom set soon.The only positive I see in using these bank cards, is I can easily make payments to them, by simply transferring money onlinemobile.Assistant: ...you can get a balance transfer card that will give you a year of 0.But really you need to learn to not carry balances.Human: Ok, is that something to do through a new credit card?Carrying a 0 balance isnt a good way to build credit, though.edit: sorry for being ignorant, as I said... I have been told all my life to carry a small balance and pay it off over time, to build credit.  <response>: Carrying 0 is the BEST way to build credit.You get nice on time payments and it costs you nothing. Why would you spend money for a credit score? That defeats the purpose.And yes, a balance transfer card is a credit card. 