Was doing the same until I put some furniture on them. Had my chandeliers on RH for 12 mos same as cash promo and had to pay 1800 & 1400 the last 2 months to avoid a lot of interest! Was kind of shocked at how much! Doing some other promos as well now. Good way to use their money for a bit and not pay a penny. But what happens to the others who can't make those last payments? And that makes the cc's go around. 
@Anonymous wrote:I always PIF. The only time I will carry a balance is if it is at 0% and I always have the money to pay it off if I needed to before the time period is up. I have never understood why some people pay so much in interest buying things they don't need and can't afford.
If everyone paid in full the rewards would probably stop, but it would be a good thing if more people could stay out of debt.
@Anonymous wrote:
Just a PSA here. Thank you to everyone who carries a balance and pays high interest rates. I PIF and I appreciate the free money that you allow the banks to give me. Please continue what you are doing. My wallet thanks you!
Goos one! 
@Anonymous wrote:Was doing the same until I put some furniture on them. Had my chandeliers on RH for 12 mos same as cash promo and had to pay 1800 & 1400 the last 2 months to avoid a lot of interest! Was kind of shocked at how much! Doing some other promos as well now. Good way to use their money for a bit and not pay a penny. But what happens to the others who can't make those last payments? And that makes the cc's go around.
@Anonymous wrote:I always PIF. The only time I will carry a balance is if it is at 0% and I always have the money to pay it off if I needed to before the time period is up. I have never understood why some people pay so much in interest buying things they don't need and can't afford.
If everyone paid in full the rewards would probably stop, but it would be a good thing if more people could stay out of debt.
Good point. Life happens sometimes. I really hate paying interest, but enjoy earning the cash back.
