<prompt> Human: Hi personal finance. Thanks in advance for your help. My husband and I have a Costco visa and discover card we mainly use for purchases so that we can earn rewards. We have an emergency savings account to take care of expenses for two or three months, but our having a disagreement as to how much should be paid on the card each month. I believe that for everything we use on the card, we should have the money to immediately pay it off except for large purchases or trips. My husband believes there should always be a revolving balance on the card and it should be paid down a couple times a month when we get paid. Im just annoyed cause last month we were charged 10 jin interest on one of the cards, but my husband believes it is better to have debt on the cards and have the cash available in general. What do you think?  <response>: Pay your balance in full every month. There is no reason to carry a balance. 