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Manage or Damage Credit
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Instead of paying of my balance on my credit card, I get a new credit card and transfer my balance over to it. Manage or Damage?
Damage (Lateral debt moving), now this could be manage if you plan to pay it off before the 0% interest balance period ends.
Using a credit card to buy things you were going to buy anyway. Ex. Gas, Groceries, etc. Manage or Damage?
Manage
Using a credit card to make a big purchase. Ex. TV or furniture. Manage or Damage?
Damage (if you can't afford to pay the balance off)
Maxing out my credit limit. Manage or Damage?
Damage
Applying for 5 credit cards at the same time. Manage or Damage
Damage
Paying bills on time. Manage or Damage?
Manage