>Many financial analysis will tell you that once in a while you should pay part of the balance then the rest the next month so your credit report shows you can do that. It won't hurt your your credit score to do that as long as you're not late in your payment. And if it helps, why not.

Why not????? Why should I GIVE my hard-earned money to a bank?

Also, isn't there something a bit incestuous (for lack of a better word) here?... the banks have a whole lot to do with what your credit rating looks like and they 'suggest' that you carry a balance from time-to-time just to "prove" you can do it???? Making a few bucks for themselves in the process!!!!
Sorry, but I simply neither understand nor accept such "logic".



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>>Unfortunately, it seems to take people learning this the hard way once to really be responsible about it. I am working my way out of learning the hard was as we speak. So has about everybody I have talked to in my age group about it. It seems people are less and less concerned about carrying a few thousand dollars balance because "they can pay it off in no time if they wanted to".