<prompt> Human: As of now I havent made what I would consider wise financial decisions. Im getting married in three weeks and Im going to be trying to buy a house in the next 2-3 months. Currently I have just under 2k in credit card debt, the minimum payments are coming out to around 15-20 of our monthly income. With our federal returns this year I paid every credit card to be at 30 of their limits. My big question, is it better to keep the balances low in favor of credit score for a home loan, or should I transfer everything to my low interest cards so that I can save money on interest?  <response>: Carrying a balance on your cards does not in any way improve your credit score. You should be trying to pay off the highest interest CC first. Although if you have 2k in CC debt and the minimum payment is 15-20 of your income, how the hell do you think you can afford a house in 2-3 months? 