you dont pay in full each month???
How did you ascertain that from my post?
First of all, I do have debt, and I'm not ashamed of that, though I am working to get out of debt.
Any cards I don't PIF are interest free.
I don't however pay before the bill cuts, though I do try to end the month with cards not maxed out.
Edit: Unless you saw my post a few posts back
Does everyone on DDF have $0 debt?