I will eventually regret that when interest rates finally climb again, but I will have to simply make sure to keep no revolving balance on the card I use and scout around for another low fixed interest rate card to use in times that I need to carry a short term balance.
Many years ago I had over $15K of CC debt and was wasting enormous sums of cash monthly to service that debt, but I finally wised up and payed it off as fast as I could manage and learned the hard way how to manage my finances in the best manner for personal prosperity in the modern age.
My bank probably isn't fond of my fiscal prudence, but they have millions of other customers who more than make up for the lack of steady income they no longer receive from my account.
Well, all I can say is Congratulations on handling your finances so well! You are one of a very few you know...
Seems that it really does not matter what you do as you will handle the situation well. Most of my comments were directed to those that are not like you. Congratulations on handling your Credit Card finances (and most probably all of your finances), On of a very few I’d guess!
Most of us learn as we get older (unfortunately), sometimes the youngsters teach us things. Of course, don’t know your age but you do seem to be knowledgeable about the problems with credit cards. Good for you!