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No. of Recommendations: 1
My highest limit card is at $28,000 and I can't imagine ever putting that much on it ever. I have several cards and rotate through them for everyday purchases and pay the balances in full. Since the cut off date for all of them is about the same time of month, when I pay the one I'm using this month, I switch to another one for the new months purchases. That keeps all of them active. The only one with an ongoing balance is the zero percent for 36 months card and once I'm through with it, it will go back in the drawer until the next time I need an appliance and can use it. I'm expecting to replace the hot water heater and dishwasher in the next 5 years and while I could pay cash, I will take advantage of zero percent interest if it's available.

Although, many years ago now I bought a used car using a credit card because it was a long weekend and I couldn't get to the bank to transfer money until they reopened.
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