Do you pay your credit card bill in full each month?

[JoyJoy]

Carrying a balance on 0% card only. Use one card for cash rewards...NOW. Paid in full each month. Had to get disciplined!

[omicron]

I pay them off in full when i use them,i just do not find them convenient like most people do
I do not like using someone else's money and a 20 -28 day free loan seems worthless to me
I have tried rewards but just have not found one that suits me,

Using CCs are so convenient. Why carry a check book or cash??? If something goes wrong, you could always fight with the CC company about a bad merchant.

You should try Chase PerfectCard or Citi Shell Card. They credit you every single month. It's like free money.

I pay off my CC every single month.

[Daylily]

I pay off credit card balances every month. I will NOT pay interest on credit cards.

The one recent exception that I didn't pay off every month was a 0% financing deal when I bought new bedroom furniture. I think it was one of those 12- or 24-month No Interest specials. I think I paid it all off in five months. Even though I didn't pay interest on it, I will never do one of those again. The furniture store contracted with some lame credit company and I was bombarded with phone calls and junk mail from the company wanting to know if I wanted to borrow MORE money. Ummm, No thanks.
I should have never done the financing deal. I had the money in my savings account and could have paid for the furniture the day I bought it. I also don't know what opening that account did to my credit score.

[nanamom]

I pay them off. i would eat peanut butter sandwiches before i will carry a balance on a card. I have been known to pay them before they are due. Once burned twice shy.

[th_tan]

I didn't pay in full each month and now bear the consequences. My mind is straight now though. LMAO! I owe, I'm not going to say. It's enough to make me cry, but I'm making progress and have stopped using altogether.

Luckily, I've beenn able to hold my credit score intact. I'm really really trying.

Yeah I'm in the same boat, but luckily a relative paid me back a substansial loan, so I'm paying off all my credit cards but one. Now I will start paying back in full every month.

[Ima saver]

I use to carry a balance and didn't think much of it; the rate was pretty low. But then I made it a new year's resolution to pay everything off and never carry a balance again. I have kept that resolution for several years now. I do earn up to $500 in reward cash each year!

[LuxLiving]

Pay in full monthly.

We have two active cards, one of which is a reward card that we use for getting the free float & the reward - I can leave our money in the MMA earning interest for a goodly number of days which suits me fine, then pop off and pay it before it's due. Mostly used for large ticket items, doctor's bills, online purchases. I am trying to train myself to use it for groceries and gas!

At one time we did carry some 0% balances, but the money was in the bank to pay them off at any time.

As one of the other posters said, it's a mindset and a discipline. One that's good for the ol' bottom line.

[baking23]

For as long as I've had a card, normally I only have one but now I have an emergency one I never use, I've always paid off the balances. I'm one of those folks apparently there aren't a lot of us, whose credit report shows all green boxes.

I'm looking for a better rewards card though so I'm pretty ruthless about canceling when I get a new one. It doesn't seem to be hurting my score really.

[Elgin526]

While we have old CC debt on a 0% offer that we are paying down, the other CC we have that we charge to each month is paid off. We use it for gas, groceries, anything we buy on a regular basis as part of an average life. We've not added to our CC debt since Oct. 2005.

I don't find having the CC tempting at all. Of course, it helps that I don't go to the mall or Target at lunch anymore, unless there is something specific I need to get! We've done a really good job at sticking to our budget. I find the key is to allow a bit of "fun" spending. Not a lot, but I find that if you don't buy something that's just a "want" now and again you go a bit nuts.