<prompt> Human: Hello, hope im posting this in the right place.Does the average american have a balance all the time? Or do they pay it off each month?I have 3 credit cards, 2 with balances one without.But it seems like I cant keep money in my actual checkings account. Is having a balance all the time like the normal thing for my age?  <response>: Why does it matter if its normal? You should never carry a balance and but everyone else does isnt an excuse. 