<prompt> Human: I have 6,000 in credit card debt at 20.99. Option 1 - Balance transfer to a credit card at 2.9 for 12 months and then 9.9 after. Options 2 - borrow 6,000 from 401k and carry 0 credit card debt. I know borrowing against my 401k isnt ideal. My main interest in the scenario is which improves my credit score the most. Thanks all!  <response>: Dude, forget the credit score and pay off that 21 debt, thats suicidal. 