[onewhippedpuppy]

Originally Posted by Porsche-O-Phile

I agree with this in principle but it's actually not 100% true. If you're careful and pay attention to your card offers, you can effectively ensure that any balance you carry is 0.0% apr by taking advantage of balance transfer offers. If you're paying a dime in interest, it's too much.

But you have to be disciplined enough to keep on top of it and actually put time into researching/applying/transferring/tracking all this stuff. If you do, you can save a ton.

As with a lot of things, the price of doing nothing can get pretty steep. Lazy people pay interest.

I find it much easier to pay off the small balance on our one card each month.