I have one credit card but it is maxed out at $4,0
I have one credit card but it is maxed out at $4,000. It has an interest of 25%. I was looking into a balance transfer card that is 0% interest for 18 months as I want to pay off the debt in 12 months. Should I just over pay on the current card or do the balance transfer. I also have a very short credit history and am looking to raise my score as the 4k is my only debt at age 26.