[Jtsummers]

I think there may have been some confusion on my part. When I hear "carrying a balance" I think "not paying the bill in full each month". From what you just wrote I don't think you're talking about what I imagined. If that's the case then my apologies. I just meant that you shouldn't carry a balance over each billing cycle (which would accrue some interest) which is advice that I've seen people give before.