<prompt> Human: Do you think most people pay off their credit card balance each month? Are you doing well if you do pay it off each month?What would be an average CC balance of a 30 year old ?  <response>: 30 year old here, I carry 0 balances and only buy things on my credit card I would buy with cash as I dont carry any cash with me. I dont use it as a loan I use it as a form of payment that earns me rewardsperks and security from fraud. 