#1 consideration is the real risk of late payment hurting credit score

#2 consideration is running out cash

A secondary consideration is building credit history by creating a monthly balance and paying it off immediately, not a few days after statement cycle.

Tip: after a large purchase above $600, I usually pay it off right away, so I don’t run of the risk of insufficient cash in bank account to pay it off

Tip: if my monthly balance is typically $400, then I want to keep $1000 reserve in the bank account