Not necessarily. Occasionally carrying forward a smallish balance to see you over a rough patch or to indulge yourself is unlikely to do much harm. But, if you find yourself carrying forward balances most or every month, you should see that as a problem. Credit card debt is expensive compared to most other forms of borrowing, and you’re wasting money.  Assuming your credit score’s OK, consider taking a personal loan to clear all your balances. But that’s just a sticking plaster unless you then revolve to zero your card balances every month.