<prompt> Human: I spent a little extra this month. I owe my discover card about 3500. Im about 2500 short.. is it smart to open a new credit card and transfer the money using Paypal. Just so I dont hit a big interest? Help please!  <response>: Your suggestion is just a shell game you are trying to play on yourself. HINT: If 2500 is a little short you are going to lose the game. 