> But if you notice you can't use it without carrying a balance - don't use it at all. That was literally my entire point :-) I have no doubt that many people

> But if you notice you can't use it without carrying a balance - don't use it at all. That was literally my entire point :-) I have no doubt that many people have this figured out, but my point is that 'use your credit card for everything always' isn't necessarily good advice for everyone.