Seems like a found a sensitive topic for many. My point for doing this is to help her (and her siblings in the future) learn to manage their finances responsibly while there's still someone around to offer advice. Once they leave, you don't know what's going on until you get that call "hey mom, can I borrow $5,000 to pay my bills?" I want to avoid that. I would advocate payment in full, but as mentioned, with a lower limit, there's not a whole lot of damage that can be done. But it's easy to point out, "look at that $5.00 interest charge. What could you have bought with that instead of paying interest?"Having good credit is great, because as also mentioned, you are eligible for 12 months no interest and better deals.Credit cards are a tool for people with a budget. No budget - no card.Using Discover, we got over $300 back last year. Ok ok we did build a house and put lots of stuff on it, but you can't fault $300 regardless of your religion or philosophy. This was free money. No interest paid. No annual fee.Thanks for the opines so far and keep them coming.