You and I are on different sides of the fence with our philosophy about credit. LOL!!! 

I don't ever want to carry a balance on ANY of my credit cards.  I PREFER to treat all my cards like they are charge cards and PIF every month. 

That's just the way I view credit.

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Husband's Current Score: EX 691 CUSC; EQ 694; TU 687; Mine: EX 773 (AMEX); EQ 720; TU 750
Wallet Contents: SECURED: Capital One Platinum Mastercard, US Bank Harley Davidson Visa, USAA Bank American Express;
UNSECURED: Chase Freedom; USAA Cash Rewards World Mastercard, Discover More, CUSC Platinum Rewards Visa, American Express Zinc, American Express Blue Cash Preferred, Amazon Card, Walmart Discover Card