<prompt> Human: Ive only got a small amount on my credit card, but the interest free period is coming to an end soon. Ill happily clear the balance and then take a new interest free card with another company as I like to keep a credit card for credit rating and emergencies but Im not sure if Ill get a better rate on a new card if I move my small amount of debt as a balance transfer? Im assuming credit card companies want your debt if its manageable? Hope that makes sense. Cheers.  <response>: Stop carrying a balance. 