I always pay as late as possible.
0% cards I would pay minimum each month until BT 0% runs out.
During the BT frenzy I had over 200k @ 4.5-5% just sitting there.
I have 4 kids.
1 I would say do it and even more if you can.
2 others I would say do it and I would watch them
The other one H*LL NO!!!
The reason you don't get DR, is because you're a responsible and smart person who doesn't play stupid and doesn't borrow money unless they are certain they can pay back.
You are an exception to the rule, which is why 40-60% of American I have revolving credit card debt, and 70% have nothing in savings put away.
All those people need hand holding, motivation, and should not have debt at all, like child #4. DR helps them, because you're not their dad.