<prompt> Human: Hi all, Im currently a full time student trying to manage two credit cards while working a part time job. When I was working full time, my credit score was amazing because I was able to keep the balance pretty low. Now that Im not making as much money, my balance is creeping up and so is my interest. One card has a higher balance thats causing me the most headache and bringing my credit score down. Ive been pre-approved for another card with 0 APR the first 12 months and no fees on balance transfers.Heres my thought: should I open that credit card and transfer from my higher balance card, stop using that card, and just work on paying that balance transfer down?The reason why I feel confident Id be able to pay that down is because Ill be finished with school in December, and after that will be able to get a full time job and manage my cards MUCH easier. OR should I just tough it out the next few months and bite the bullet on my high minimum paymentinterest charge on that higher balance card??Advice much appreciated!!  <response>: my balance is creeping up and so is my interest this is what happens when you borrow money and dont pay it back...so if you are having problems paying your balance each month, logic says to stop buying stuff. 