Far lower, I have $559.66 on a 0% interest card. I did have $4800 on that card at the beginning of this year, and worked vigorously to pay it off. Then the auto and home insurance bill came in, and rather than pay it out of my savings accout, I decided to charge it and pay it off in two installments (the insurance company charges $3.00 a month if I pay them in installments), but I will be done paying that card this month. We have another card which has a balance of $495 from a business trip my wife just returned from, but that balance will be expensed in full.
