<prompt> Human: I got into debt trouble when i was 23. Got my first credit card in case of an emergency for a trip to NY. Damn i had a good time. After not seriously dealing with it for a few years i did a 0 balance tranfer with the intention of knocking it off in a year. Basically ive paid it down, racked it back up, slowly gotten more responsible. Saved up, gone on two more trips without getting in more debt. Been paying minimal amounts whilst saving in high interest accounts. Its nearly gone, i could pay it off tomorrow but dont see the point. I have two credit cards. Every 6 or 12 months i push the debt onto the other before the time runs out. Im asking because my partner and i want to do some courses that will cost about 4k. Id rather chuck it on the card then use savings. Any reason not too?  <response>: 1. If youre looking at getting a loan soon, you will have a pretty bad utilization that may damage your credit until its paid off.2. Most balance transfers cost 3... I doubt youre paying 0 on your cards... 