<prompt>  Human: I am looking into picking up a second credit card here is the basics of my financial situation. Currently have a basic Wells Fargo cash back card, very little benefits beyond 1 back. Also have credit with T-Mobile, and a relatively small student loan comparative to other people in my educational situation . Ive always been a dont buy somthing until you know you have the money kind of guy, so my credit card is almost always paid off, I have a constant running balance of about 10 on my current credit card. My credit history is about 3 years with Wells Fargo and about 2 years with T-Mobile. Credit karma lists my credit as good. I am looking to pick up a better cash back cards potentially those 5 back cards that are growing in popularity. The intention for this new card would be for more long term purchases. Stuff I would buy and pay off over time, rather than how i currently treat mine. My biggest concern is how this will hurt my credit. I currently have no hard checks on my credit so there will be one added, and this new card will also probably not have a constant balance, as I said it will be used for big purchases I will pay off over time. Adding this new line will also mean I have 4 lines of credit T-Mobile, Wells Fargo cash back, student loans, and now a new card. Am I a bit crazy to be considering a 4th line of credit at my age?Assistant: STOP CARRYING BALANCES ON YOUR CREDIT CARDS. You are wasting money on interest for no reason at all. Human: I was under the impression that to build credit you need a balance on your cards. I keep just a small amount on my cards with the intention of building credit. Is this a bad philosophy? 