Depends on the lendor and whether there's interest or not, if I'm not on a 0% promo then I PIF. Or if the amount of a single charge happens to be more than I can pay back in a statement period, then I'll move to a short plan it or BT it. I also don't come anywhere close to my limits, and try to keep any balances under 28%. I've not see any AA by practicing either method.
