Was talking to a friend the other day and we got to talking about how we use our credit cards. Me, I pay the balance off every month. My friend said they prefer to carry a balance. Saying you shouldn't pay the bill in full (just minimum or over, not all) because thats how the credit card companies make money. And if you don't pay the interest they don't get anything. This is the first I've heard of that as a reason for carrying a balance. Has anyone else heard this?