Thank you for answering this. I think there's a lot of confusion about what "paying your card in full" and "carrying a balance" means. Paying off the card every month means you charge things, the credit card company sends you a bill, and then you pay that bill. No interest involved. There's only interest if you do not pay them the full amount due -- and in that case the interest will start to show up the *next* month. I have had conversations with people who believe that "paying off the full balance" means paying the credit card company *before* they send you a bill. This is not necessary. Letting them bill you does not add interest.