I suppose you could liquid some of your return generating assets every month right before you pay off your cc. However since 3k is a neglible amount of money t

I suppose you could liquid some of your return generating assets every month right before you pay off your cc. However since 3k is a neglible amount of money to most people here, I wouldn't really worry about not having earning yield on your 3k. Also it's often useful to have some literal cash in your bank account.