<prompt> Human: If I use a card frequently for daily expenses, and pay the statement in full when it comes in the mail, do I avoid all interest charges? Or, do I have to pay attention to my spending and pay ahead of time?  <response>: If you always pay the statement balance by the due date, you wont pay interest. There are some exceptions like balance transfers and what not. Be sure to check your statements to make sure youre not paying interest. 