<prompt> Human: So first of all let me start with the fact that I HATE credit and debt and have been working very hard to pay down my debts which accrued due to a frivolous ex and her associated medical bills, etc. I didnt make some of the smartest decisions in paying things off and now find myself still struggling with 5 figures of credit card debt in total which represents around a 70 utilization of my total credit.The bank made an error in with the autopay system that temporarily zeroed out one of my cards, but of course it bounced and its right back on there. The interesting part is that it was reported to credit bureaus as though it had cleared, bringing my utilization down to around a healthy 30 and bumping my score up around 75 points.I was wondering if this might be a good time to apply for a consolidation loan, a balance transfer card or another card with no annual fee or 0 intro APR to either temporarily store some of this debt while I pay it down, or just increase my overall credit and hence make my utilization a little bit lower and my score stay in the good range, or if credit companies can see through this and are unlikely to approve applicants with sudden spikes in credit like that.I stopped using credit to make purchases altogether a while ago and dont intend to start regardless of what I do about this, but the idea of getting 12-18 months relief from some of the interest would be fantastic as long as it wouldnt make me worse off in the end. Thanks for listening, hope someone out there can help.  <response>: Id definitely recommend taking advantage of this fortunate circumstance. I wouldnt apply for more credit first though; your idea of moving your outstanding debt over to a lowno interest card would be a great move to give you a headstart in paying down some debt without incurring interest. Id try and get onto that ASAP though since you want to make sure that the hard inquiry is performed before the error correction is reflected on your credit reports. 