<prompt> Human: Okay so to make a long story short, Im 22 and trying to build credit. I have 2 store credit cards, 3 consumer credit cards, a student loan, and an auto loan. My total credit limit on the cards is about 5,000. My usage is about 1,200. Im trying to keep about 15-20 revolving credit for a while to build credit. My question is this though; One of the cards has no interest for 1 year if paid in full, and lower interest rates than all the other cards, and a better cash back option. The downside is the card has a high balance transfer fee, high enough to counteract anything that would be saved from the cash back and lower interest. However, what is to stop me from getting a payoff amount of the other cards, paying myself with the one card via a service like paypal, and using that to pay off all the others? That way I essentially consolidate the credit onto one account with lower interest and cash back incentives. Is this considered fraud or such? or is it a loophole in the policy or is there something I am missing?edit: Hmm the more you know i guess. I was always told wrong or i misunderstood what i was told, even though it made sense to me that creditors wanted to see you have balance and having to pay interest as good for them, but it makes more sense the way yall explained it to me on here. I never spend on credit what i dont have in the bank to cover it so I can pay em all off right quick and start the process yall have explained instead : should save me a chunk of change in the long run  <response>: Do not carry a revolving balance. You are just throwing money to the wind for no reason. It doesnt build your score any more than just using your card and paying it off. 