<prompt> Human: I wont go into too much detail on how Ive gotten into this situation but basically my wife and I have gotten to a point where we have had a few credit cards with 0 interest for 18 months on purchases and balance transfers and when we get our taxes we pay off the credit card as much as we can, and then when the 18 months is almost up on the card with a balance, we transfer it to a new card with 0 interest on purchasebalance transfers. Ive never had more than 5000 of credit card debt at one time but usually by the time tax season rolls around my balance is very close to 5000. My question is if this is bad for my credit score? It seems to only be getting higher every time Ive checked it, but I cant kick the feeling that Im basically cheating the system. I never cancel my old cards, I just stop using them. Obviously I dont want this to go on forever, but being young and in the beginning of our careers, new home owners and parents of two kids, having school loansa car loan, this has been a way for us to get by. Any advicethoughts would be great.  <response>: You guys really need to start budgeting living below your means and actually pay off your debts instead of continually transferring it to a new card.These 0 promo offers are not going to last forever and will eventually dry up. And when they stop, youre going to be royally screwed. 