<prompt> Human: Last summer, I fixed my credit. took care of medical debts via HIPAA and got a secured card. My ficos got into the mid 700s. Now, I find myself doing balance transfers to my other cards to keep some room on cards. I have 5 cards now, discover 7.5k, dcu 3k, cap one qs 3k, barclays 1k, chase freedom 1k. disco balance is 4k, 0 apr until april, qs is 2500 at 21, dcu is 2600 at 12, freedom is 0 apr until July 2017. I feel that my balances have gotten more and more out of control lately. I have low income, about 2k a month for now. however, I am getting my degree in BA in 2 months, so if all goes to plan, my income will go up a lot. I live at home with parents and dont have a car payment or any bills really except my cell phone under my dads name.Should I stop using my ccs? I use my disco for everything and every 2 months, I go for a cli on it and get about 3k.  <response>: Should I stop using my ccs? Yes. You should pay off your bill in full at the end of the month every month. If youre not, you should not have a CC. 