[graedus]

> If you carry a $10 balance, you're probably giving up the free float.

Not sure what the mechanics are behind the scenes, but I keep an eye out for interest charges and I haven't seen any for years.

> meaning the balance is only ever zero if you do a massive return or if you have a multi-week spending embargo hit at just the time the credit company pulls your report.

I think I implemented the $10 policy because I wasn't using my cards very much at the time. Your system makes the most sense for anyone who uses their card regularly.