[josefresco]

I do this too, and many Americans probably start with the same tactic or strategy. The problem arises... when problems arise. You start carrying a balance to cover short term issues, which can turn into long-term issues which are made worse by your new high interest credit card debt.

[madelinecameron]

Can confirm. $300 monitor spiraled into $2,500 of debt by the end of college (The downfall was precipitated by that month-long gov't shutdown which I was told not to worry about, "it might be a day or two, if that"... and then I wasn't paid for two months because I was a contractor)

[morgante]

Actually, my anecdotal experience is that there are firmly too camps.

Some people pay off their full balance every month without fail and would never consider carrying a balance.

Others have never paid their full balance. They see the "minimum payment" and think it's a great deal.