Though the best habit is to pay your credit card balance in full each month, the reality is many credit card users carry a balance from month to month. Paying your balance down over a period of time is often more convenient than paying it in one lump sum. As long as you keep your balance at a reasonable limit and make your monthly payments on time, carrying a credit card balance won't hurt you.
Some credit cards are better than others for carrying a balance. For example, a credit card with a low interest rate is better because you will end up paying less finance charges. CNN Money names the Discover More card as the best for carrying a balance. The card has a 0% introductory rate on balance transfers, 10.99% interest rate, and cashback rewards on purchases.
See more "best" cards at CNN Money: cards with rewards for big and small spenders, frequent travelers, retirement savings, and low fees.
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