[Starboard]

And make sure you don’t accumulate a large running balance. The average bank card rate is 21%. Its very hard for most people to pay off balances with rates that high. Store cards are even higher — about 30%.

[Antoninus]

And make sure you don’t accumulate a large running balance.

You should never, ever, ever carry a running balance on your credit card unless you're on one of those 0% for 12 months promos or similar. And if you are on one of those, make sure you pay your balance before the term expires!