Cycling your debt without fixing the real problem. If you find yourself constantly consolidating debt or transferring balances to new credit cards, might have developed a habit for debt swapping. While having a lower interest rate and one monthly payment can definitely help solve shot-term problems for you, if you do it all time you could be avoiding the underlying issue. In fact, it might even be keeping you from comimg to terms with the behaviors that are forcing you into an almost perpetual state of debt.