<prompt> Human: Hello everyone,I have a credit card through Capital One. In 2015-early 2016 I had a bit of a rough year and went nuts buying DVDs and video games to bring me out of the funk. Now I am 4600 in credit card debt and I fear I will never be down to 0. I do use my credit card to buy gifts on Christmas and birthdays. I use my credit card to pay bills. My minimum payment each month is about 135 and I pay around 300. Sometimes I pay multiple times a month. Each month after rent is due I have maybe 1100 to spend, yet I also wish to move apartments and jobs this fall, and I fear this will add to my credit card debt. I have maybe 600 available. My local bank, with whom I have been for years, offers a credit card with 0 APR. I do not know what that means. I could transfer my balance and perhaps take advantage of this 0 APR. I do not know the interest rate of my current card. I think I have slightly above average credit. I want to be financially healthy. I am 29, I work full-time, I have an annual income of 39000 before taxes. I appreciate any thoughts, tips, or questions you have. Thank you!R_O_R  <response>: Sounds like you need to cut up the credit card and switch to cashenvelopes method..Youre typing I am in big debt and I dont think I can ever pay it off while you also type im going to use the credit card moreYou mention getting a new job? Hopefully one that pays more so you can afford the bills and debt. Or get a second part time job to help pay off the debt. 