<prompt> Human: Is this a good idea? Currently Ive got a tiny amount of manageable debt that Ive accumulated on purpose to build my credit and keep a larger amount of money in my bank account.Ive never used a line of credit to pay off another line of credit. The amount is small 900usd, and Ill be putting about 100 towards it every month.What does this do to my credit score?What other ingenious things can I do with my 15 months of no interest?  <response>: tiny amount of manageable debt that Ive accumulated on purpose to build my credit bad idea. you dont need credit card debt to build credit. Just use your credit card and pay it off every month to build credit. 