<prompt> Human: So I hear a lot that having good credit is helpful, but I dont understand how so when I cant do anything with it.All 3 bureaus are close to 800 for me but it doesnt mean anything to me since I dont plan on doing anything with it.I have about 4000 in credit card debt, is there something i can do to help with my credit cards interest ir something? I suppose I could refinance my car to save 50 bucks a month to go towards a card but that would extend my loan by another year.  <response>: I have about 4000 in credit card debt, is there something i can do to help with my credit cards interest ir something? Low or 0 APR balance transfer card. 