Show them some luv generally means getting a credit limit increase on an account.
PIF= pay a credit card balance in full
Carry a balance means you did not pay all of what you owe on an account and you are carrying it into the following month. Say you have a $1000 limit, you use $300 of it one month and you pay $200 of the balance, you are carrying $100 of a balance into the following month.
Maxed out generally means that many would view a card with a balance of 80% or higher being reported as being maxed out.
Keep utilization low is to keep a low balance in comparison to your limit. $1,000 limit and you carry a $100 balance into the next month then you have a 10% utiliization
Ed Zachary!!! 
your second paragraph... paying interest intentionally?!? well that's too much luv!!! try not to do that. there's no need!
your second paragraph... paying interest intentionally?!? well that's too much luv!!! try not to do that. there's no need!
@Anonymous wrote:
Ed Zachary!!!
your second paragraph... paying interest intentionally?!? well that's too much luv!!! try not to do that. there's no need!
Some people here, from time to time, do in fact advocate that. Which raises one of my favorite questions, What is a CLI worth? IMO, the answer is almost nothing, so paying unneeded interest for the POSSIBILITY of getting one is misguided.
The banks make money off swipe fees so the more you use outside the high bonus categories, the more profitable you appear to them. But that still doesn't necessarily translate into CLIs, your overall credit picture is much more important.
Welcome to the forums 
Yes carrying a a balance and paying interest would be showing them love.. but as an above poster said let's not get crazy here!
Say you have a chase freedom card where the rotating category is groceries and club stores this quarter. You decide to put a $3000 furniture purchase through the card and then pay it off in full. They're not earning interest because you paid in full but they're giving you 1% reward on a transaction that they're probably making 2+% in fees on. This results in profit for them and thus would be considered showing them luv.
Using your chase card only for 5% reward categories and nothing elses is going to result in you not being a profitable customer for them and would thus be showing them no luv.
I would recommend the latter, they deserve it lol
@Anonymous wrote:
No no no, I know what the terminology of what those mean I'm just asking about showing them some luv. I've read the post explaining the acronyms.
In my mind I would think to carry at least a small balance so they can make some money off intrest would be showing some luv to them. But people are always talking about how they PIF every month.
So I'm guessing the best way to show luv is to run a bunch of charges through and PIF every month
The basic problem with letting a card carry any balance, to trigger interest calculations in other words, is that everything charged on the card after that moment begins to accrue interest. So even if one pays nearly all the charges by the payment due date, all those charges are adding to the interest cost.
It then takes at least one statement print cycle, sometimes two depending on the bank, to "clear the interest calculations", to pay everything to zero, pay off all the interest, and pay any trailing interest on the interest, to get back to a "no interest charges PIF" situation.
Having said that, I'm using my SPG with a 10.49% APR to carry a $900 balance over, continue to use the card, will pay a smidgen of interest for a few months, and will then have to go through the steps to zero the amounts, just to see if when I ask for another APR reduction in a couple of months, if that makes any difference.
