December 11, 2018 3:24 PM
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Just saying you do not need to carry over any balance. Paying interest does absolutely nothing but make you spend more money. Keep your utilization low at least 30% or under. It actually shows your that much more responsible when you never pay any type of fee. You make on time payments and utilization low you'll see a difference. You'll get the same results if you just pay your minimum bal or pay off entirely. I highly recommend not paying interest