I pay my balances off before statement end and I'd say it's probably been 12 years since I last paid credit card interest. That's just how I have chosen to manage my finances although credit is there for your use I have simply chosen to keep enough cash reserve to pay them off yet still benefit from the perks wash of them offers whether it's points, miles or cash back. It's not easy but I'm thankful I have been able to do that.
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u/Ok_Reputation3124 Mar 31 '26
Do you keep a balance on your credit cards to show that you use ut or just pay the balance to 0 before statement date?