<prompt> Human: Ive got a credit card that had an introductory rate of 0 interest Another year left of 0 that Ive been using for my average grocerygaswhatever I buy.I currently have a 650 balance on my card. Ive also got about 2000 in money thats just sitting around that I could easily use to pay my balance off.Its important to me to have cash laying around because I can use it to generate more income I do some work on cars and motorcycles, but its more important to me to make sure I have great credit in the future.Asides from the obvious risk of losing discipline and not paying it off before interest starts- is there any other problem with maintaining a balance on my credit card?  <response>: Im in the same situation. I have until January so in December Ill pay it off. There is no reason to pay it off early other than bumping your credit score due to lower utilization 