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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]PP here - I don't really have a problem.  I was just answering a question.  I don't honestly give a rat's ass if I spend a couple hundred a year on credit card interest.  That amounts to about the same amount I spend on internet plus cable plus landline plus iphone in a single month.  I was just saying that I prefer to have a little cash stashed away in case of a layoff, and paying off my card right now would threaten that.  (it'll be paid off in a few months anyway.  On there right now: airfare and hotel from my xmas trip, an unexpected $700 car repair, some house-related expenses, plus this month's bar and restaurant bills because I won't use my debit card if it'll be out of my sight and I don't like carrying large amounts of cash around.)[/quote]

But that is not what your post says.  You wrote

[i]"... then I'd psychologically think I could run up the card again because I had no $ on it."[/i]
What you are saying is that you HAVE to carry a balance, because if you do not then you'll feel compelled to spend in order to create a balance.

That is different from saying that you prefer not to pay it off so as to keep your cushion.  I get that (sort of), but I do not understand feeling that you can't pay off a credit card because then you would *have to* run it up again.

I don't get it.[/quote]

I've heard this from other people who are used to carrying a balance on their cards.  They view the available credit like a Visa gift cardi that is meant to be used.[/quote]

It is not rational.  It makes NO sense.

I guess that's what credit cards are counting on - emotional, "gift-card" reactions to credit availability.[/quote]

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