[Snoopy2645]

I have had small amounts on my cc's at different times we just paid them off with our tax refund btw I only do 0% thats for big purchases say like a new table or bed or something.

Also I do use one cc that I pay off every month for day to day purchases & get rewards for if you do this I would pick the best rewarding card. Some reward 100 times better than another might.